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msmarco_v2.1_doc_54_297767559#4_676498537 | Title: Japan's Lost Decade: Brief History and Lessons
Headings: What You Can Learn From Japan's Lost Decade
Portfolio Management International Investing
What You Can Learn From Japan's Lost Decade
What This Period of Japanese History Teaches Us About Financial Crises
What Caused Japan's Lost Decade?
Japan's Lost Decade in Detail
Japan's Lost Decade vs. the 2008 U.S. Crisis
Lessons Learned From Japan's Lost Decade
Article Sources
Content: The reality is that many of these factors may have contributed to the lost decade. Following the crisis, many Japanese citizens responded by saving more and spending less, which had a negative impact on aggregate demand. This contributed to deflationary pressures that encouraged consumers to further hoard money, which resulted in a deflationary spiral. Japan's Lost Decade vs. the 2008 U.S. Crisis
Many economists and financial experts have compared Japan's lost decade to the U.S. situation after the 2008 banking crisis. In both cases, speculation fueled real estate and stock market bubbles that eventually crashed and led to government bailouts. Both economies also responded by promising to increase fiscal spending to combat deflation. The period between 2000 and 2009 in the U.S. has also been called a lost decade on occasion since two deep recessions at the beginning and end of the period resulted in a net-zero gain for many households. Steep declines in real estate values and the stock market resulted in significant losses, including the S&P 500's worst ever 10-year performance with a -9.1% total return. 5
Despite the similarities, there are also some important differences between the two situations. Japan's aging population was a major contributor to its woes, while the U.S. maintains relatively positive demographics with plenty of young workers entering the workforce. | https://www.thebalance.com/japan-s-lost-decade-brief-history-and-lessons-1979056 |
msmarco_v2.1_doc_54_297767559#5_676500590 | Title: Japan's Lost Decade: Brief History and Lessons
Headings: What You Can Learn From Japan's Lost Decade
Portfolio Management International Investing
What You Can Learn From Japan's Lost Decade
What This Period of Japanese History Teaches Us About Financial Crises
What Caused Japan's Lost Decade?
Japan's Lost Decade in Detail
Japan's Lost Decade vs. the 2008 U.S. Crisis
Lessons Learned From Japan's Lost Decade
Article Sources
Content: Both economies also responded by promising to increase fiscal spending to combat deflation. The period between 2000 and 2009 in the U.S. has also been called a lost decade on occasion since two deep recessions at the beginning and end of the period resulted in a net-zero gain for many households. Steep declines in real estate values and the stock market resulted in significant losses, including the S&P 500's worst ever 10-year performance with a -9.1% total return. 5
Despite the similarities, there are also some important differences between the two situations. Japan's aging population was a major contributor to its woes, while the U.S. maintains relatively positive demographics with plenty of young workers entering the workforce. The U.S. Federal Reserve has also been much quicker to act than the Bank of Japan. Lessons Learned From Japan's Lost Decade
Japan's lost decade has provided many valuable economic lessons. Some economists argue against any interventions on the part of central banks, contending that they inevitably lead to moral hazard and longer-term problems. But others argue that interventions should take the market by surprise in terms of timing and scope. Some key lessons were: | https://www.thebalance.com/japan-s-lost-decade-brief-history-and-lessons-1979056 |
msmarco_v2.1_doc_54_298091323#13_677345499 | Title: Do You Know the Basics of the Stock Market?
Headings:
Do You Know the Basics of the Stock Market?
Take This Quiz to Find out Whether You're Ready to Start Investing.
Key Takeaways
What Exactly Is the Stock Market?
What Are Bear and Bull Markets?
How Many Types of Stocks Are There?
What Are Blue Chip Stocks?
What Does It Mean if an Investment Is Well Hedged?
How to Start Investing in the Stock Market
The Bottom Line
Article Sources
Content: Fractional share investing means you can purchase just a part of a share in a stock, such as one with a price that is otherwise out of your range. When purchasing individual stocks, mutual funds, bonds, or other investments, pay attention to the cost you'll pay to invest as well as the investment's historical performance. While past performance is not a certain indicator of how well a stock will do in the future, it can be a helpful guideline for making investment decisions. The Bottom Line
Keep in mind that investing is a long-term activity. People who find success with their investments have developed a sound strategy that they still stick with even when the market swings. Resisting the urge to react to short-term events could make all the difference in your portfolio and help you achieve your long-term goals. Remember that it's all about time in the market, not timing the market that makes for successful investing. Consult with a financial advisor to learn more and set up an investment portfolio that’s right for you. Disclosure: This information is provided to you as a resource for informational purposes only. | https://www.thebalance.com/know-the-basics-of-the-stock-market-4065375 |
msmarco_v2.1_doc_54_298091323#14_677347291 | Title: Do You Know the Basics of the Stock Market?
Headings:
Do You Know the Basics of the Stock Market?
Take This Quiz to Find out Whether You're Ready to Start Investing.
Key Takeaways
What Exactly Is the Stock Market?
What Are Bear and Bull Markets?
How Many Types of Stocks Are There?
What Are Blue Chip Stocks?
What Does It Mean if an Investment Is Well Hedged?
How to Start Investing in the Stock Market
The Bottom Line
Article Sources
Content: Resisting the urge to react to short-term events could make all the difference in your portfolio and help you achieve your long-term goals. Remember that it's all about time in the market, not timing the market that makes for successful investing. Consult with a financial advisor to learn more and set up an investment portfolio that’s right for you. Disclosure: This information is provided to you as a resource for informational purposes only. It is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. This information is not intended to, and should not, form a primary basis for any investment decision that you may make. Always consult your own legal, tax, or investment advisor before making any investment, tax, estate, or financial planning considerations or decisions. | https://www.thebalance.com/know-the-basics-of-the-stock-market-4065375 |
msmarco_v2.1_doc_54_299435018#3_680856250 | Title: 8 Magazines Every Fashion Model Needs to Study
Headings: 8 Magazines Every Fashion Model Needs to Study
8 Magazines Every Fashion Model Needs to Study
Vogue, Elle, Harper's Bazaar and GQ Are the Go-To Publications
Let Magazines be Your Guide
Vogue
Elle
Harper's Bazaar
W
L’Officiel
Jalouse
GQ Style
L’Officiel Hommes
Content: Soon you’ll have the confidence you need to appear effortless in front of a camera. Stay away from so-called “fashion” magazines that fill themselves with nothing but celebrities. They’re an interesting read, but if you really want to make your research worthwhile, stick with legitimate high fashion magazines that use real models. The best fashion magazines to learn from rarely need an introduction to someone interested in modeling. Vogue
Vogue Magazine
If you had to pick models from only one magazine, Vogue should be your choice . Arguably the most influential fashion magazine in the world, Vogue has been setting fashion standards for over a century and is the top-selling fashion magazine in the world with editions globally, such as Italian Vogue and British Vogue . Elle
Elle Magazine
With 44 editions around the world, Elle is a must-read fashion publication. It has a strong, energetic, and exciting vibe and covers all the latest trends right off the runways of New York City, London, Milan, and Paris. Harper's Bazaar
Harper's Bazaar
America’s first fashion magazine has style, panache, sophistication and is provocative. Harper's Bazaar features the latest trends, designers, runway shows, and fashion events. | https://www.thebalance.com/magazines-for-fashion-models-to-study-2379467 |
msmarco_v2.1_doc_54_299435018#4_680858055 | Title: 8 Magazines Every Fashion Model Needs to Study
Headings: 8 Magazines Every Fashion Model Needs to Study
8 Magazines Every Fashion Model Needs to Study
Vogue, Elle, Harper's Bazaar and GQ Are the Go-To Publications
Let Magazines be Your Guide
Vogue
Elle
Harper's Bazaar
W
L’Officiel
Jalouse
GQ Style
L’Officiel Hommes
Content: Arguably the most influential fashion magazine in the world, Vogue has been setting fashion standards for over a century and is the top-selling fashion magazine in the world with editions globally, such as Italian Vogue and British Vogue . Elle
Elle Magazine
With 44 editions around the world, Elle is a must-read fashion publication. It has a strong, energetic, and exciting vibe and covers all the latest trends right off the runways of New York City, London, Milan, and Paris. Harper's Bazaar
Harper's Bazaar
America’s first fashion magazine has style, panache, sophistication and is provocative. Harper's Bazaar features the latest trends, designers, runway shows, and fashion events. These events range from casual to couture (high fashion). Be sure to check out the digital version for exclusive model interviews, backstage videos, and behind-the-scenes peeks at editorials, cover shoots, and more. W
W Magazine
This popular (and sometimes controversial) magazine captures who, what, where, when, and why of style and fashion around the world. What really sets W apart is its oversized, glossy pages that give you a front-row seat to the hottest models, designers, and fashion events from around the globe. L’Officiel
L’Officiel Magazine
This international high-end fashion and luxury lifestyle magazine has been around for more than 90 years. | https://www.thebalance.com/magazines-for-fashion-models-to-study-2379467 |
msmarco_v2.1_doc_54_303189973#0_690333057 | Title: Why Pay off Loans Early? Savings and Peace of Mind
Headings:
Why Pay Off Loans Early?
Benefits of Reducing Debt
Save Money
Improve Financial Strength
Peace of Mind
When to Not Pay Early
How to Do It
Article Sources
Content: Why Pay off Loans Early? Savings and Peace of Mind
The Balance Loans
Part of
How Does Loan Amortization Work? What Is Amortization? How a Fixed-Rate Loan Works
Understanding Loan Payment Calculations
Loan Amortization Calculator
How to Pay Off a Loan Early & Why to Do It
Why Pay Off Loans Early? Benefits of Reducing Debt
•••
Jan Stromme / Stone / Getty Images
By
Full Bio
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Justin Pritchard, CFP, is a fee-only advisor and an expert on banking. He covers banking basics, checking, saving, loans, and mortgages. He has an MBA from the University of Colorado, and has worked for credit unions and large financial firms, in addition to writing about personal finance for nearly two decades. Read The Balance's editorial policies
Justin Pritchard
Reviewed by
Full Bio
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LinkedIn with Background
Linkedin
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Marguerita is a Certified Financial Planner® who helps people meet their life goals through the proper management of financial resources. She specializes in divorce, death, career changes, and caring for aging relatives. Article Reviewed on August 28, 2020
Read The Balance's Financial Review Board
Marguerita Cheng
Updated August 28, 2020
When you have extra money available, paying off debt often is a good choice. | https://www.thebalance.com/pay-off-loans-315588 |
msmarco_v2.1_doc_54_303189973#1_690334759 | Title: Why Pay off Loans Early? Savings and Peace of Mind
Headings:
Why Pay Off Loans Early?
Benefits of Reducing Debt
Save Money
Improve Financial Strength
Peace of Mind
When to Not Pay Early
How to Do It
Article Sources
Content: He covers banking basics, checking, saving, loans, and mortgages. He has an MBA from the University of Colorado, and has worked for credit unions and large financial firms, in addition to writing about personal finance for nearly two decades. Read The Balance's editorial policies
Justin Pritchard
Reviewed by
Full Bio
Follow
LinkedIn with Background
Linkedin
Follow Twitter
Marguerita is a Certified Financial Planner® who helps people meet their life goals through the proper management of financial resources. She specializes in divorce, death, career changes, and caring for aging relatives. Article Reviewed on August 28, 2020
Read The Balance's Financial Review Board
Marguerita Cheng
Updated August 28, 2020
When you have extra money available, paying off debt often is a good choice. In addition to the psychological benefits of being debt-free, you enjoy measurable financial benefits. Paying off loans early isn’t always the optimal strategy, but it’s rarely a horrible one. To decide what’s best in your case, evaluate how you benefit from debt, and compare those benefits to the cost of keeping loans in place. You usually save money when you eliminate debt early, but you might have valid reasons for taking an alternative approach. Save Money
The best reason to pay off debt early is to save money and stop paying interest. | https://www.thebalance.com/pay-off-loans-315588 |
msmarco_v2.1_doc_54_303189973#2_690336537 | Title: Why Pay off Loans Early? Savings and Peace of Mind
Headings:
Why Pay Off Loans Early?
Benefits of Reducing Debt
Save Money
Improve Financial Strength
Peace of Mind
When to Not Pay Early
How to Do It
Article Sources
Content: In addition to the psychological benefits of being debt-free, you enjoy measurable financial benefits. Paying off loans early isn’t always the optimal strategy, but it’s rarely a horrible one. To decide what’s best in your case, evaluate how you benefit from debt, and compare those benefits to the cost of keeping loans in place. You usually save money when you eliminate debt early, but you might have valid reasons for taking an alternative approach. Save Money
The best reason to pay off debt early is to save money and stop paying interest. Interest charges don’t buy you anything except time. Rather than needing the full amount to buy a home or a car right now, you can spread out the payments over several years. Your house doesn’t get any bigger when you pay interest on a mortgage, and you don’t get your interest back when you sell. So, it's best to not pay for any more time than you need. Some loans drag on for 30 years or more, and interest costs add up over time. | https://www.thebalance.com/pay-off-loans-315588 |
msmarco_v2.1_doc_54_303189973#3_690337956 | Title: Why Pay off Loans Early? Savings and Peace of Mind
Headings:
Why Pay Off Loans Early?
Benefits of Reducing Debt
Save Money
Improve Financial Strength
Peace of Mind
When to Not Pay Early
How to Do It
Article Sources
Content: Interest charges don’t buy you anything except time. Rather than needing the full amount to buy a home or a car right now, you can spread out the payments over several years. Your house doesn’t get any bigger when you pay interest on a mortgage, and you don’t get your interest back when you sell. So, it's best to not pay for any more time than you need. Some loans drag on for 30 years or more, and interest costs add up over time. Other loans might have shorter terms, but high-interest rates make them expensive. With high-cost debt, such as credit card debt, it’s almost a no-brainer to repay as quickly as possible: Paying only the minimum is a bad idea. Over your lifetime, you'll keep more of what you earn if you pay off loans quickly. Improve Financial Strength
Once you pay down debt, you’re in a stronger financial position. | https://www.thebalance.com/pay-off-loans-315588 |
msmarco_v2.1_doc_54_303189973#4_690339227 | Title: Why Pay off Loans Early? Savings and Peace of Mind
Headings:
Why Pay Off Loans Early?
Benefits of Reducing Debt
Save Money
Improve Financial Strength
Peace of Mind
When to Not Pay Early
How to Do It
Article Sources
Content: Other loans might have shorter terms, but high-interest rates make them expensive. With high-cost debt, such as credit card debt, it’s almost a no-brainer to repay as quickly as possible: Paying only the minimum is a bad idea. Over your lifetime, you'll keep more of what you earn if you pay off loans quickly. Improve Financial Strength
Once you pay down debt, you’re in a stronger financial position. The money you’ve been putting toward monthly payments becomes available for other uses. For example, when you pay off an auto loan, you can direct the amount you were spending on monthly payments toward savings or paying off other debts. You also become more attractive as a borrower. Lenders need to be sure you have enough income to repay loans and that existing loans don’t already eat up too much of your monthly income. To do so, they calculate the percentage of income that goes toward debt payments, known as a debt-to-income ratio. | https://www.thebalance.com/pay-off-loans-315588 |
msmarco_v2.1_doc_54_303189973#5_690340599 | Title: Why Pay off Loans Early? Savings and Peace of Mind
Headings:
Why Pay Off Loans Early?
Benefits of Reducing Debt
Save Money
Improve Financial Strength
Peace of Mind
When to Not Pay Early
How to Do It
Article Sources
Content: The money you’ve been putting toward monthly payments becomes available for other uses. For example, when you pay off an auto loan, you can direct the amount you were spending on monthly payments toward savings or paying off other debts. You also become more attractive as a borrower. Lenders need to be sure you have enough income to repay loans and that existing loans don’t already eat up too much of your monthly income. To do so, they calculate the percentage of income that goes toward debt payments, known as a debt-to-income ratio. When you pay off loans early, you improve your ratio and are more likely to get approved for a new loan on favorable terms. 1
Your credit scores also can improve when you pay down debt. Part of your credit score depends on how much you’re currently borrowing, relative to the maximum amount that you potentially could borrow. If you’re maxed out, your credit scores will be lower, but paying down debt frees up borrowing capacity—which you hopefully won’t need to use. 2
Peace of Mind
Eliminating debt can be rewarding and reduce stress. | https://www.thebalance.com/pay-off-loans-315588 |
msmarco_v2.1_doc_54_303189973#6_690342132 | Title: Why Pay off Loans Early? Savings and Peace of Mind
Headings:
Why Pay Off Loans Early?
Benefits of Reducing Debt
Save Money
Improve Financial Strength
Peace of Mind
When to Not Pay Early
How to Do It
Article Sources
Content: When you pay off loans early, you improve your ratio and are more likely to get approved for a new loan on favorable terms. 1
Your credit scores also can improve when you pay down debt. Part of your credit score depends on how much you’re currently borrowing, relative to the maximum amount that you potentially could borrow. If you’re maxed out, your credit scores will be lower, but paying down debt frees up borrowing capacity—which you hopefully won’t need to use. 2
Peace of Mind
Eliminating debt can be rewarding and reduce stress. Some people choose to pay off loans as soon as they possibly can even if they know it doesn’t make the best financial sense. That’s fine, as long as you’re mindful of what you’re doing and why. You can’t put a price on happiness. Perhaps you want to reduce debt before retiring, you’re sick of making monthly payments, or you hate the idea of paying interest to lenders. Evaluate the pros and cons of using debt, and make an informed decision that you can live with. | https://www.thebalance.com/pay-off-loans-315588 |
msmarco_v2.1_doc_54_303189973#7_690343612 | Title: Why Pay off Loans Early? Savings and Peace of Mind
Headings:
Why Pay Off Loans Early?
Benefits of Reducing Debt
Save Money
Improve Financial Strength
Peace of Mind
When to Not Pay Early
How to Do It
Article Sources
Content: Some people choose to pay off loans as soon as they possibly can even if they know it doesn’t make the best financial sense. That’s fine, as long as you’re mindful of what you’re doing and why. You can’t put a price on happiness. Perhaps you want to reduce debt before retiring, you’re sick of making monthly payments, or you hate the idea of paying interest to lenders. Evaluate the pros and cons of using debt, and make an informed decision that you can live with. When to Not Pay Early
Paying down debt early leaves less money in your pocket for other things than if you paid only the minimum amount due each month. That might mean you enjoy fewer luxuries in your monthly budget, or you make do with a smaller cash cushion, making it more difficult to pay unexpected expenses. What's more, you pay an opportunity cost: You'll have to come up with additional funds to put toward other goals, such as retirement or a down payment on a house, for example. Only you can determine whether your money is better spent paying down debt or using it to invest in retirement, a new home, or education expenses. | https://www.thebalance.com/pay-off-loans-315588 |
msmarco_v2.1_doc_54_303189973#8_690345155 | Title: Why Pay off Loans Early? Savings and Peace of Mind
Headings:
Why Pay Off Loans Early?
Benefits of Reducing Debt
Save Money
Improve Financial Strength
Peace of Mind
When to Not Pay Early
How to Do It
Article Sources
Content: When to Not Pay Early
Paying down debt early leaves less money in your pocket for other things than if you paid only the minimum amount due each month. That might mean you enjoy fewer luxuries in your monthly budget, or you make do with a smaller cash cushion, making it more difficult to pay unexpected expenses. What's more, you pay an opportunity cost: You'll have to come up with additional funds to put toward other goals, such as retirement or a down payment on a house, for example. Only you can determine whether your money is better spent paying down debt or using it to invest in retirement, a new home, or education expenses. If the interest you earn on investments is greater than the interest you're paying on your debt, it makes more sense to invest than it does to pay off the debt early. This rarely is a simple equation, however, so it's best to consult with a financial professional. If you have a precomputed loan, you won’t save by repaying early because the costs are already baked into the loan. Most standard loans, however, calculate interest daily or based on the balance due on a certain date each month. 3 Be sure you understand the terms of your loan if you plan to pay the debt early. | https://www.thebalance.com/pay-off-loans-315588 |
msmarco_v2.1_doc_54_303189973#9_690346790 | Title: Why Pay off Loans Early? Savings and Peace of Mind
Headings:
Why Pay Off Loans Early?
Benefits of Reducing Debt
Save Money
Improve Financial Strength
Peace of Mind
When to Not Pay Early
How to Do It
Article Sources
Content: If the interest you earn on investments is greater than the interest you're paying on your debt, it makes more sense to invest than it does to pay off the debt early. This rarely is a simple equation, however, so it's best to consult with a financial professional. If you have a precomputed loan, you won’t save by repaying early because the costs are already baked into the loan. Most standard loans, however, calculate interest daily or based on the balance due on a certain date each month. 3 Be sure you understand the terms of your loan if you plan to pay the debt early. How to Do It
Now that you know more about paying off those loans, you may be eager to move forward. In many cases, it’s as simple as sending extra money, whether you wipe out the debt with one payment or just pay a little extra each month. Call or email your lender and explain what your goals are. Ask how to proceed so that your payments are properly applied to paying down your loan's principal and so that you know exactly how much to send. Article Sources
Consumer Financial Protection Bureau. " | https://www.thebalance.com/pay-off-loans-315588 |
msmarco_v2.1_doc_54_305373999#7_696002368 | Title: Differences Between Real Estate Agents and Realtors
Headings:
Differences Between Real Estate Agents and Realtors®
17 Ways Realtors® Stand Out From Other Real Estate Agents
What's in a Name?
Education and Other Requirements
The Code of Ethics
The 17 Articles
How Many Realtors® Are There?
Article Sources
Content: Disclose if they represent family members who own or are about to buy real estate, or if they themselves are a principal in a real estate transaction. Avoid providing professional services in a transaction where the agent has a present or contemplated interest without disclosing that interest. Do not collect any commissions without the seller's knowledge, nor accept fees from a third party without the seller's express consent. Refuse fees from more than one party without all parties' informed consent. Do not comingle client funds with the agent's own money. Attempt to ensure that all written documents are easy to understand and give everyone a copy of anything they sign. Do not discriminate in any fashion or for any reason on the basis of race, color, religion, sex, handicap, familial status, sexual orientation, gender identity, or national origin. Be competent to conform to standards of practice and refuse to provide services for which they are unqualified. Engage in truth in advertising and marketing. Do not practice law unless the agent is also a lawyer. | https://www.thebalance.com/real-estate-agents-and-realtors-1798898 |
msmarco_v2.1_doc_54_305373999#8_696003974 | Title: Differences Between Real Estate Agents and Realtors
Headings:
Differences Between Real Estate Agents and Realtors®
17 Ways Realtors® Stand Out From Other Real Estate Agents
What's in a Name?
Education and Other Requirements
The Code of Ethics
The 17 Articles
How Many Realtors® Are There?
Article Sources
Content: Attempt to ensure that all written documents are easy to understand and give everyone a copy of anything they sign. Do not discriminate in any fashion or for any reason on the basis of race, color, religion, sex, handicap, familial status, sexual orientation, gender identity, or national origin. Be competent to conform to standards of practice and refuse to provide services for which they are unqualified. Engage in truth in advertising and marketing. Do not practice law unless the agent is also a lawyer. Cooperate if charges are brought against them and present all evidence as requested. Agree to not "bad mouth" competition, and agree to not file unfounded ethics complaints. Do not solicit another Realtor's® client, nor interfere in a contractual relationship. Submit matters to arbitration for settlement and not seek legal remedies in the judicial system. 2
How Many Realtors® Are There? | https://www.thebalance.com/real-estate-agents-and-realtors-1798898 |
msmarco_v2.1_doc_54_305484225#8_696284372 | Title: What Is Real Estate?
Headings: What Is Real Estate?
What Is Real Estate?
Real Estate Explained
Definition and Examples of Real Estate
How Real Estate Works
Construction of New Buildings
Real Estate Agents
Types of Real Estate
Residential Real Estate
Commercial Real Estate
Industrial Real Estate
Pieces of Land
Investing in Real Estate
Reading the Real Estate Market
Defining a "New Home"
Article Sources
Content: Real estate agents who want to increase their professionalism become REALTORS. ®
Types of Real Estate
There are four types of real estate. Residential Real Estate
Residential real estate includes both new construction and resale homes. The most common category is single-family homes, but there are also condominiums, co-ops, townhouses, duplexes, triple-deckers, quadplexes, high-value homes, multi-generational homes, and vacation homes. Commercial Real Estate
Commercial real estate includes shopping centers and strip malls, medical buildings, educational buildings, hotels, and offices. Apartment buildings are often considered commercial, even though they're used for residences, because they're owned to produce income. Industrial Real Estate
Industrial real estate includes manufacturing buildings and property, as well as warehouses. The buildings can be used for research, production, storage, and distribution of goods. Some buildings that distribute goods are considered to be commercial real estate. The classification is important because zoning, construction, and sales can be handled differently for this type of property. | https://www.thebalance.com/real-estate-what-it-is-and-how-it-works-3305882 |
msmarco_v2.1_doc_54_306882349#5_699908044 | Title: Russian Economy: GDP, Type, Role in World Economy
Headings: How Russia's Pipeline Politics Holds the EU Hostage
How Russia's Pipeline Politics Holds the EU Hostage
Type of Economy
Russia Is the Energy Supplier to Europe
Russia's Aggression in Ukraine Resulted in Recession
Russia Invaded Georgia
Russia and U.S. Trade
Article Sources
Content: It operated successfully through czars and communist regimes. Russia Is the Energy Supplier to Europe
Russia supplies 30% of Europe ’s oil and 40% of its natural gas. 7 It aggressively uses pipeline politics to get its way. Putin knows that the European Union hesitates to defend Ukraine because it can't afford to lose Russia's energy supply. Would Putin actually do that? Absolutely. In 2006, he cut off gas supplies to Ukraine. Europe’s gas must flow through Ukraine. He held the gas hostage in a successful bid to charge higher prices. 8
Putin used energy revenues to diversify into other European businesses. | https://www.thebalance.com/russian-economy-3306352 |
msmarco_v2.1_doc_54_306882349#6_699909212 | Title: Russian Economy: GDP, Type, Role in World Economy
Headings: How Russia's Pipeline Politics Holds the EU Hostage
How Russia's Pipeline Politics Holds the EU Hostage
Type of Economy
Russia Is the Energy Supplier to Europe
Russia's Aggression in Ukraine Resulted in Recession
Russia Invaded Georgia
Russia and U.S. Trade
Article Sources
Content: Absolutely. In 2006, he cut off gas supplies to Ukraine. Europe’s gas must flow through Ukraine. He held the gas hostage in a successful bid to charge higher prices. 8
Putin used energy revenues to diversify into other European businesses. So any sanctions on Russia's economy will hurt these companies too. He's also put pressure on foreign energy contractors to increase Russia’s share of their profits. In the past, Russia had: Arbitrarily changed its agreements with Royal Dutch Shell and ExxonMobil. Granted a license to the Russian-owned oil company, Rosneft, to operate in ExxonMobil’s area. | https://www.thebalance.com/russian-economy-3306352 |
msmarco_v2.1_doc_54_307449193#2_701374691 | Title: Sea Level Rise: Effects, Causes, Projections, Solutions
Headings: Rising Sea Level Effects, Projections, and Solutions
Rising Sea Level Effects, Projections, and Solutions
How the Rising Sea Level Affects You
How Scientists Know the Sea Level Is Rising
Effects of the Rising Seas
Eastern Seaboard:
Florida and Gulf States:
West Coast:
Causes Behind the Rising Seas
Predictions for the Future
Potential Solutions to the Problem
Seven Steps You Can Take Today
Article Sources
Content: Year
Since 1880
Per Decade
1880
0
0
1890
0.4
0.44
1900
1.1
0.69
1910
1.3
0.15
1920
1.9
0.63
1930
2.1
0.16
1940
2.6
0.56
1950
3.6
0.98
1960
4.5
0.91
1970
4.7
0.17
1980
5.6
0.92
1990
6.2
0.63
2000
6.9
0.67
2010
8.1
1.16
2015
8.9
0.88
2020
9.2
1.16
Source: " Global Average Absolute Sea Level Change, 1880-2015 ," Environmental Protection Agency. 2020 estimate based on the current rate of change.) How Scientists Know the Sea Level Is Rising
Scientists accurately measure global sea level increases in three ways. Since 1992, NASA has collected data from satellites. Here's a link to the data. NASA also uses tide gauges in many parts of the world to get a global average. The gauges block out the impact of waves and tides to get an accurate reading. The third method is reviewing rock formations. Scientists use this method to determine the sea level millions of years ago. | https://www.thebalance.com/sea-level-rise-and-climate-change-4158037 |
msmarco_v2.1_doc_54_307449193#3_701376310 | Title: Sea Level Rise: Effects, Causes, Projections, Solutions
Headings: Rising Sea Level Effects, Projections, and Solutions
Rising Sea Level Effects, Projections, and Solutions
How the Rising Sea Level Affects You
How Scientists Know the Sea Level Is Rising
Effects of the Rising Seas
Eastern Seaboard:
Florida and Gulf States:
West Coast:
Causes Behind the Rising Seas
Predictions for the Future
Potential Solutions to the Problem
Seven Steps You Can Take Today
Article Sources
Content: Here's a link to the data. NASA also uses tide gauges in many parts of the world to get a global average. The gauges block out the impact of waves and tides to get an accurate reading. The third method is reviewing rock formations. Scientists use this method to determine the sea level millions of years ago. They look for fossils of ocean organisms, sedimentary deposits, and even the actions of waves. Effects of the Rising Seas
The rising sea level is affecting coastal areas all over the world. It increases flooding, worsens hurricane damage, and leaches saltwater into tidal areas. It increases migration, weakens military preparedness, and threatens historical sites. Local governments are spending billions to defend against these effects. | https://www.thebalance.com/sea-level-rise-and-climate-change-4158037 |
msmarco_v2.1_doc_54_307449193#4_701377750 | Title: Sea Level Rise: Effects, Causes, Projections, Solutions
Headings: Rising Sea Level Effects, Projections, and Solutions
Rising Sea Level Effects, Projections, and Solutions
How the Rising Sea Level Affects You
How Scientists Know the Sea Level Is Rising
Effects of the Rising Seas
Eastern Seaboard:
Florida and Gulf States:
West Coast:
Causes Behind the Rising Seas
Predictions for the Future
Potential Solutions to the Problem
Seven Steps You Can Take Today
Article Sources
Content: They look for fossils of ocean organisms, sedimentary deposits, and even the actions of waves. Effects of the Rising Seas
The rising sea level is affecting coastal areas all over the world. It increases flooding, worsens hurricane damage, and leaches saltwater into tidal areas. It increases migration, weakens military preparedness, and threatens historical sites. Local governments are spending billions to defend against these effects. Flooding will affect eight of the world's largest coastal cities. It will impact 40% of Americans who live in coastal counties. Floods have hit U.S. coastal towns three to nine times more often than they did 50 years ago. From 2005 to 2017, sea level rises cost eight coastal states $14.1 billion . Another study showed that the number of coastal flood days in 27 U.S. locations has increased dramatically. | https://www.thebalance.com/sea-level-rise-and-climate-change-4158037 |
msmarco_v2.1_doc_54_307449193#7_701381976 | Title: Sea Level Rise: Effects, Causes, Projections, Solutions
Headings: Rising Sea Level Effects, Projections, and Solutions
Rising Sea Level Effects, Projections, and Solutions
How the Rising Sea Level Affects You
How Scientists Know the Sea Level Is Rising
Effects of the Rising Seas
Eastern Seaboard:
Florida and Gulf States:
West Coast:
Causes Behind the Rising Seas
Predictions for the Future
Potential Solutions to the Problem
Seven Steps You Can Take Today
Article Sources
Content: In 2012, Congress phased out subsidies for federal flood insurance. That makes it too expensive for many homeowners. U.S. sea level rise affects three areas the most. Here are specifics on its impact. Eastern Seaboard: Flood-prone areas in New York, New Jersey, and Connecticut lost $6.7 billion in home values. Atlantic City, New Jersey, regularly floods when it rains. A four-foot storm surge would flood 50% of it. Boston is near the fastest warming body on Earth the Gulf of Maine. Storm damage affects the $8 billion Waterfront District. | https://www.thebalance.com/sea-level-rise-and-climate-change-4158037 |
msmarco_v2.1_doc_54_307449193#17_701396403 | Title: Sea Level Rise: Effects, Causes, Projections, Solutions
Headings: Rising Sea Level Effects, Projections, and Solutions
Rising Sea Level Effects, Projections, and Solutions
How the Rising Sea Level Affects You
How Scientists Know the Sea Level Is Rising
Effects of the Rising Seas
Eastern Seaboard:
Florida and Gulf States:
West Coast:
Causes Behind the Rising Seas
Predictions for the Future
Potential Solutions to the Problem
Seven Steps You Can Take Today
Article Sources
Content: It disrupts the chemical balance of estuaries, destroying oyster beds and bird habitats. Increased salinity in Bangladesh, Vietnam, and other South Asian coastal countries threatens rice production. In Egypt, up to 12.5 miles inland from the shoreline have become saline, threatening billions of dollars in farming losses. U.S. military preparedness is being compromised. There are 1,774 military sites on 95,471 miles of coastline at risk of flooding from sea level rise. More than 30 sites are already impacted. Extreme weather affects all bases, but especially those in the Pacific region. They are hubs for disaster relief efforts. There is also a huge nuclear fallout container on the Marshall Islands. Rising sea levels and storms could easily damage the dome, releasing nuclear debris into the ocean. | https://www.thebalance.com/sea-level-rise-and-climate-change-4158037 |
msmarco_v2.1_doc_54_307449193#18_701397903 | Title: Sea Level Rise: Effects, Causes, Projections, Solutions
Headings: Rising Sea Level Effects, Projections, and Solutions
Rising Sea Level Effects, Projections, and Solutions
How the Rising Sea Level Affects You
How Scientists Know the Sea Level Is Rising
Effects of the Rising Seas
Eastern Seaboard:
Florida and Gulf States:
West Coast:
Causes Behind the Rising Seas
Predictions for the Future
Potential Solutions to the Problem
Seven Steps You Can Take Today
Article Sources
Content: More than 30 sites are already impacted. Extreme weather affects all bases, but especially those in the Pacific region. They are hubs for disaster relief efforts. There is also a huge nuclear fallout container on the Marshall Islands. Rising sea levels and storms could easily damage the dome, releasing nuclear debris into the ocean. Migration is increased as residents flee from flooding coastal areas. Low-lying island nations, such as the Maldives and Seychelles, will soon be underwater. By 2050, 17% of Bangladesh would be flooded, displacing 18 million people. Forty percent of Jakarta, Indonesia, home to 30 million people, lies below sea level. Tourism and historical sites are threatened. | https://www.thebalance.com/sea-level-rise-and-climate-change-4158037 |
msmarco_v2.1_doc_54_307449193#19_701399294 | Title: Sea Level Rise: Effects, Causes, Projections, Solutions
Headings: Rising Sea Level Effects, Projections, and Solutions
Rising Sea Level Effects, Projections, and Solutions
How the Rising Sea Level Affects You
How Scientists Know the Sea Level Is Rising
Effects of the Rising Seas
Eastern Seaboard:
Florida and Gulf States:
West Coast:
Causes Behind the Rising Seas
Predictions for the Future
Potential Solutions to the Problem
Seven Steps You Can Take Today
Article Sources
Content: Migration is increased as residents flee from flooding coastal areas. Low-lying island nations, such as the Maldives and Seychelles, will soon be underwater. By 2050, 17% of Bangladesh would be flooded, displacing 18 million people. Forty percent of Jakarta, Indonesia, home to 30 million people, lies below sea level. Tourism and historical sites are threatened. On Easter Island, the famous Moai statues will be destroyed if the sea rises six feet. The Marshall Islands are disappearing already. They are less than six feet above sea level, but changing sea winds have raised sea levels a foot over the past 30 years. The nation's 70,000 residents will probably emigrate to the United States, thanks to a 1986 agreement. Causes Behind the Rising Seas
Global warming causes rising sea levels in two ways. | https://www.thebalance.com/sea-level-rise-and-climate-change-4158037 |
msmarco_v2.1_doc_54_307449193#20_701400793 | Title: Sea Level Rise: Effects, Causes, Projections, Solutions
Headings: Rising Sea Level Effects, Projections, and Solutions
Rising Sea Level Effects, Projections, and Solutions
How the Rising Sea Level Affects You
How Scientists Know the Sea Level Is Rising
Effects of the Rising Seas
Eastern Seaboard:
Florida and Gulf States:
West Coast:
Causes Behind the Rising Seas
Predictions for the Future
Potential Solutions to the Problem
Seven Steps You Can Take Today
Article Sources
Content: On Easter Island, the famous Moai statues will be destroyed if the sea rises six feet. The Marshall Islands are disappearing already. They are less than six feet above sea level, but changing sea winds have raised sea levels a foot over the past 30 years. The nation's 70,000 residents will probably emigrate to the United States, thanks to a 1986 agreement. Causes Behind the Rising Seas
Global warming causes rising sea levels in two ways. First, as the ocean warms, it takes up more space. That alone has caused half of the sea level rise in the past century. Second, a warmer temperature melts Greenland's ice sheets and the polar ice caps. Between 2002 and 2016, Antarctica lost 125 gigatons of ice annually. It contributed 0.013 inches of sea level rise per year. | https://www.thebalance.com/sea-level-rise-and-climate-change-4158037 |
msmarco_v2.1_doc_54_308199442#1_703297823 | Title: Should I Pay Off My Car Loan Early?
Headings: Should I Pay Off My Car Loan Early?
Should I Pay Off My Car Loan Early?
Save Money on Interest
Start Saving for Your Next Car
Reduce Your Car Insurance Cost
Lower Your Debt to Income Ratio
Financial Freedom
When Should I NOT Pay Off My Vehicle Early?
Article Sources
Content: Read The Balance's editorial policies
Emily Delbridge
Reviewed by
Full Bio
Julius Mansa is a finance, operations, and business analysis professional with over 14 years of experience improving financial and operations processes at start-up, small, and medium-sized companies. Article Reviewed on July 29, 2020
Read The Balance's Financial Review Board
Julius Mansa
Updated July 29, 2020
Paying off your car loan early comes with some major benefits. It takes a lot of discipline to pay off debt early. With willpower and determination, it can be done little by little. It can help your financial future for years to come. Save Money on Interest
Shendart / Getty Images
Interest on a car loan can add up quickly. It is easy to save money by paying your loan off early. The amount of interest you pay every month does decrease a little bit because your balance is going down. Use an amortization calculator to determine your savings. I like to use Bankrate's auto loan calculator. | https://www.thebalance.com/should-i-pay-off-my-car-loan-early-4097353 |
msmarco_v2.1_doc_54_308206149#5_703325463 | Title: 5 Benefits of Paying Off Student Loans Early
Headings:
Managing your Student Loans
5 Benefits of Paying Off Student Loans Early
Part of
1. Your Debt-to-Income Ratio
2. The Tax Break Isn't That Great
3. It's Costing You
4. It's Virtually Inescapable
5. Get Rid of Financial Worry
Reasons to Not Pay Off Student Loans Early
Article Sources
Content: 3. It's Costing You
Even if you take advantage of the student loan tax break, you should consider how much money you are losing each month due to both your student loan payment and interest. Student loan interest is charged as a percentage of your current outstanding balance. As you make extra payments and lower your balance, the amount you’re charged will go down, as well. Paying off your student loans early also means you’ll pay less total interest compared to your loan costs if you follow your regular payment schedule. 3
Depending on the amount of student loan debt you have, your payment may take up a sizable chunk of your budget. If you pay off your student loans, you’ll get rid of this payment and free up cash flow. Plus, you will be able to achieve other financial goals more quickly, such as saving up for a down payment on your first home, taking a trip, creating an investment portfolio, or starting your own business. 4. It's Virtually Inescapable
Many people who are overwhelmed by student loan debt hope that bankruptcy may offer a solution to their problem. | https://www.thebalance.com/should-i-pay-off-my-student-loans-early-2386009 |
msmarco_v2.1_doc_54_310732860#1_710011945 | Title: Tax Abatement and Other Incentives for Growth
Headings: Tax Abatement and Other Incentives for Growth
Tax Abatement and Other Incentives for Growth
Why Cities Adopt Policies
Examples of Tax Abatement
Content: These policies force cities to think about what they are willing to do to encourage private sector growth. The city’s economic development director is responsible for drafting these economic development policies. When a business is satisfied with the tax abatements allowed by policy, the economic development director and city manager make agreements that the city council will almost certainly approve. Economic development policies enable a city to set boundaries that the city council will think long and hard about before exceeding. Cities expect to break even when they grant tax abatements. The amount they forgo in tax revenue from the business and spend in added operational costs should be exceeded by the tax revenue increase caused by the business’s economic impact. Unless cities make an exception to policy, specific tax abatement amounts are granted according to a formula established in policy. A business must bring a certain number of jobs or a certain amount of property value increase to the city. The higher the job growth or property value increase, the higher the percentage of taxes that will be abated. Usually, the percentage of taxes abated decreases over time until the business begins paying the full tax bill. | https://www.thebalance.com/tax-abatement-1669487 |
msmarco_v2.1_doc_54_311935756#5_713200784 | Title: The Bond Market Bubble: Fact or Fiction?
Headings:
The Bond Market Bubble: Fact or Fiction?
What Is a Bond Bubble?
Bubbles Throughout History
Understanding When It's Really a Bubble
Contributing Factors to a Bond Market Bubble
If the Bubble Is Real, Will It Burst?
Longer-Term Data Shows the Rarity of Major Sell-Offs
Non-Treasury Segments of the Market
Positive and Negative Returns
Weathering a Bond Market Bubble
Content: But the particular price level for corporate bonds that was being called a bond bubble had been intact and hanging in there since 1981. Meanwhile, the risk-free 10-year Treasury bond had increased by 172 basis points since July 2016. Two more months later, in July 2018, publicly-quoted financial experts continued to prophesize that the bull market of rising prices was starting to weaken—again referring mainly to corporate bonds—and implied that a bubble existed and that it was about to burst. Contributing Factors to a Bond Market Bubble
The financial media has continued to forecast the U.S. bond market as the next great asset bubble since 2013. The idea behind this is relatively simple: The yields on U.S. Treasurys dropped so low around 2010 that there was little room for further decline. Keep in mind that prices and yields move in opposite directions . A key reason behind such low yields was the policy of the ultra-low short-term interest rates the Federal Reserve enacted to stimulate growth. Whenever the economy recovers and employment rises to more normalized levels, the Fed begins to raise interest rates. When this happens, the artificial downward pressure on Treasury yields is removed, and the yields rise back up as prices fall. | https://www.thebalance.com/the-bond-market-bubble-fact-or-fiction-416864 |
msmarco_v2.1_doc_54_311935756#7_713204517 | Title: The Bond Market Bubble: Fact or Fiction?
Headings:
The Bond Market Bubble: Fact or Fiction?
What Is a Bond Bubble?
Bubbles Throughout History
Understanding When It's Really a Bubble
Contributing Factors to a Bond Market Bubble
If the Bubble Is Real, Will It Burst?
Longer-Term Data Shows the Rarity of Major Sell-Offs
Non-Treasury Segments of the Market
Positive and Negative Returns
Weathering a Bond Market Bubble
Content: Note
It could be said that Treasury bonds are indeed in a bubble—not necessarily because of any investor mania as was the case in past bubbles, but because Treasury yields are higher than they would be without the Fed’s intervention to keep rates low. If the Bubble Is Real, Will It Burst? The conventional wisdom is that it’s almost certain that Treasury yields will be higher in the future than they are today. That's indeed the most likely scenario, but investors should give careful consideration to two factors. First, the increase in yields—if it occurs—is likely to occur over an extended period of time. It most likely won't occur in short, explosive movements such as the bursting of the dot.com bubble. Second, the history of Japan's bond market can provide some pause for the many pundits who have a negative outlook on U.S. Treasuries. A look at Japan shows a similar story to what occurred here in the United States several years ago: A financial crisis brought about by a crash in the property market, followed by an extended period of slow growth and a central bank policy featuring near-zero interest rates and subsequent quantitative easing . The 10-year bond yield dropped below 2%. | https://www.thebalance.com/the-bond-market-bubble-fact-or-fiction-416864 |
msmarco_v2.1_doc_54_311935756#8_713206380 | Title: The Bond Market Bubble: Fact or Fiction?
Headings:
The Bond Market Bubble: Fact or Fiction?
What Is a Bond Bubble?
Bubbles Throughout History
Understanding When It's Really a Bubble
Contributing Factors to a Bond Market Bubble
If the Bubble Is Real, Will It Burst?
Longer-Term Data Shows the Rarity of Major Sell-Offs
Non-Treasury Segments of the Market
Positive and Negative Returns
Weathering a Bond Market Bubble
Content: It most likely won't occur in short, explosive movements such as the bursting of the dot.com bubble. Second, the history of Japan's bond market can provide some pause for the many pundits who have a negative outlook on U.S. Treasuries. A look at Japan shows a similar story to what occurred here in the United States several years ago: A financial crisis brought about by a crash in the property market, followed by an extended period of slow growth and a central bank policy featuring near-zero interest rates and subsequent quantitative easing . The 10-year bond yield dropped below 2%. Japan experienced these events in the 1990s. The drop in Japan's 10-year below 2% occurred in late 1997, and it hasn’t regained this level for more than a brief interval since then. In the article "Bonds: Born to Be Mild" on the investing commentary website SeekingAlpha, AllianceBernstein fixed-income chief Douglas J. Peebles noted: "Increased bond-buying by insurance companies and private-sector defined-benefit plans could also temper the pace at which bond yields rise." | https://www.thebalance.com/the-bond-market-bubble-fact-or-fiction-416864 |
msmarco_v2.1_doc_54_311935756#9_713208091 | Title: The Bond Market Bubble: Fact or Fiction?
Headings:
The Bond Market Bubble: Fact or Fiction?
What Is a Bond Bubble?
Bubbles Throughout History
Understanding When It's Really a Bubble
Contributing Factors to a Bond Market Bubble
If the Bubble Is Real, Will It Burst?
Longer-Term Data Shows the Rarity of Major Sell-Offs
Non-Treasury Segments of the Market
Positive and Negative Returns
Weathering a Bond Market Bubble
Content: Japan experienced these events in the 1990s. The drop in Japan's 10-year below 2% occurred in late 1997, and it hasn’t regained this level for more than a brief interval since then. In the article "Bonds: Born to Be Mild" on the investing commentary website SeekingAlpha, AllianceBernstein fixed-income chief Douglas J. Peebles noted: "Increased bond-buying by insurance companies and private-sector defined-benefit plans could also temper the pace at which bond yields rise." In other words, a higher yield would drive renewed demand for bonds, moderating the impact of any sell-off. Could the U.S. bond market eventually collapse as many are predicting? Possibly, but not likely if the post-crisis experience in Japan, which has been very similar to ours thus far, is any indication that rates can remain low—for far longer than investors are expecting. Longer-Term Data Shows the Rarity of Major Sell-Offs
A look further back shows that the downside in Treasuries has been relatively limited. According to data compiled by Aswath Damodaran at New York University’s Stern School of Business, the 30-year bond has suffered a negative return in only 15 calendar years since 1928. | https://www.thebalance.com/the-bond-market-bubble-fact-or-fiction-416864 |
msmarco_v2.1_doc_54_311935756#10_713209927 | Title: The Bond Market Bubble: Fact or Fiction?
Headings:
The Bond Market Bubble: Fact or Fiction?
What Is a Bond Bubble?
Bubbles Throughout History
Understanding When It's Really a Bubble
Contributing Factors to a Bond Market Bubble
If the Bubble Is Real, Will It Burst?
Longer-Term Data Shows the Rarity of Major Sell-Offs
Non-Treasury Segments of the Market
Positive and Negative Returns
Weathering a Bond Market Bubble
Content: In other words, a higher yield would drive renewed demand for bonds, moderating the impact of any sell-off. Could the U.S. bond market eventually collapse as many are predicting? Possibly, but not likely if the post-crisis experience in Japan, which has been very similar to ours thus far, is any indication that rates can remain low—for far longer than investors are expecting. Longer-Term Data Shows the Rarity of Major Sell-Offs
A look further back shows that the downside in Treasuries has been relatively limited. According to data compiled by Aswath Damodaran at New York University’s Stern School of Business, the 30-year bond has suffered a negative return in only 15 calendar years since 1928. In general, the losses were relatively limited. Keep in mind, however, that yields were higher in the past than they have been recently, so it took much more of a price decline to offset the yield in the past than it would today. While past performance isn’t an indicator of future results, it does help illustrate the rarity of a major collapse in the bond market. If the bond market does indeed fall upon hard times, a more likely outcome is that we’ll see consecutive years of sub-par performance, such as what occurred in the 1950s. Non-Treasury Segments of the Market
Treasuries aren’t the only market segment said to be in a bubble. | https://www.thebalance.com/the-bond-market-bubble-fact-or-fiction-416864 |
msmarco_v2.1_doc_54_312491289#5_714634790 | Title: The Difference Between Investors and Speculators
Headings: The Difference Between Investors and Speculators
Assets & Markets Stocks
The Difference Between Investors and Speculators
Why Speculators Buy Stock
How Does Investment and Speculation Affect Stock Price?
Fundamentals Matter to Investors
Fundamentals Are Not a Myth
Content: This leads to stocks becoming dramatically overvalued when everyone is interested and unjustifiably undervalued when they fall out of vogue. This manic-depressive behavior creates the opportunity for us to pick up companies that are selling for far less than they are worth. Fundamentals Matter to Investors
A fundamental belief among value investors is although the stock market might wildly depart from the fundamentals of a business in the short-term, in the long-run the fundamentals are all that matter. This is the basis behind something the father of value investing, Ben Graham once wrote: "In the short-term, the market is a voting machine, in the long-term, a weighing one." Have you ever heard anyone say that the economic fundamentals of a company have no relation to the stock price? This is completely false. A simple response should be all that is required. Ask them "If fundamentals don't matter, what if Coca-Cola never sold another bottle of Coke? How long do you think the stock price would stay at its current level?" | https://www.thebalance.com/the-investor-vs-speculator-358139 |
msmarco_v2.1_doc_54_312876400#17_715669531 | Title: The Truth About Obamacare: 13 Myths Explained
Headings: The Truth About Obamacare
U.S. & World Economies US Economy
The Truth About Obamacare
13 Obamacare Myths: What's the Truth Behind Them?
13 Myths About Obamacare
1. Obamacare Raised Health Care Costs
2. Obamacare Forces You to Pay for Services You Don't Need
3. Obamacare Is Socialized Medicine, Like in Canada
4. President Obama Promised That You Can Keep Your Plan
5. Obamacare Intrudes Into the Doctor-Patient Relationship
6. Obamacare Cuts Benefits for Those on Medicare
7. The Government Will Be Able to Track You
8. Obamacare Will Give Undocumented Immigrants Free Care
9. Obamacare's Maternity Benefits Encourage "Anchor Babies"
10. Businesses Aren't Hiring Because of Obamacare
11. The Affordable Care Act Is Much Better Than Obamacare
12. Most Americans Think That Obamacare Should Be Repealed
13. Obamacare Established “Death Panels”
Article Sources
Content: Probably, but there is already so much data about you that your privacy is already compromised. 8. Obamacare Will Give Undocumented Immigrants Free Care
Truth: Immigrants in the country illegally are prohibited from getting Obamacare. They can get preventive care at community health centers. That is supposed to lower health care costs. Emergency rooms must continue to treat everyone. When more people in the country illegally use community health centers, there are fewer expensive emergency room bills. 9. Obamacare's Maternity Benefits Encourage "Anchor Babies"
Truth: | https://www.thebalance.com/the-truth-about-obamacare-3306075 |
msmarco_v2.1_doc_54_313171499#0_716429542 | Title: Timing Is Everything in a News Cycle
Headings: Timing Is Everything in a News Cycle
Timing Is Everything in a News Cycle
What is a news cycle and when should I contact a journalist?
Newspapers
Blogs
TV Stations
Radio Stations
How and When to Break Your Story
Reaching Journalists After 6:00 P.M.
Content: Timing Is Everything in a News Cycle
Marketing Public Relations
Timing Is Everything in a News Cycle
What is a news cycle and when should I contact a journalist? •••
Getty Images / Monty Rakusen
By
Full Bio
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Guy Bergstrom is a former writer for The Balance Small Business. He is an award-winning journalist and experienced public relations professional. Read The Balance's editorial policies
Guy Bergstrom
Updated December 09, 2018
When it comes to promoting your event, whether it's a press conference to launch a new product or a benefit concert, timing is everything. Publicizing your important event or product at the wrong time is useless. On the other hand, publicizing a story at just the right time in the news cycle will most likely get picked up by the media—as long as the information is viewed by the media as being important to the public. So exactly what is a news cycle, and how does a news cycle work across different news platforms? Let's start by looking at the different kinds of media outlets because they all operate on completely different news cycles. Newspapers
Newspapers, whether national or local in nature, are printed once a day, typically at night. Even though the majority of newspapers have digital versions, online coverage either applies to breaking news stories or stories that ran in the print edition and may be extended or shortened in length. | https://www.thebalance.com/timing-is-everything-in-news-cycles-2295932 |
msmarco_v2.1_doc_54_313171499#1_716431478 | Title: Timing Is Everything in a News Cycle
Headings: Timing Is Everything in a News Cycle
Timing Is Everything in a News Cycle
What is a news cycle and when should I contact a journalist?
Newspapers
Blogs
TV Stations
Radio Stations
How and When to Break Your Story
Reaching Journalists After 6:00 P.M.
Content: On the other hand, publicizing a story at just the right time in the news cycle will most likely get picked up by the media—as long as the information is viewed by the media as being important to the public. So exactly what is a news cycle, and how does a news cycle work across different news platforms? Let's start by looking at the different kinds of media outlets because they all operate on completely different news cycles. Newspapers
Newspapers, whether national or local in nature, are printed once a day, typically at night. Even though the majority of newspapers have digital versions, online coverage either applies to breaking news stories or stories that ran in the print edition and may be extended or shortened in length. Also, major publications like The New York Times will often include video. Traditionally, newspapers operate on a 24-hour news cycle—digital versions post more often. Blogs
Because there are so many blogs out there, even though they are updated more often than print media, it's hard to make blanket statements about them. A blog can offer recipes for Southwestern entrees or business leadership advice. Most blogs are written by one person with a keyboard. | https://www.thebalance.com/timing-is-everything-in-news-cycles-2295932 |
msmarco_v2.1_doc_54_313171499#2_716433195 | Title: Timing Is Everything in a News Cycle
Headings: Timing Is Everything in a News Cycle
Timing Is Everything in a News Cycle
What is a news cycle and when should I contact a journalist?
Newspapers
Blogs
TV Stations
Radio Stations
How and When to Break Your Story
Reaching Journalists After 6:00 P.M.
Content: Also, major publications like The New York Times will often include video. Traditionally, newspapers operate on a 24-hour news cycle—digital versions post more often. Blogs
Because there are so many blogs out there, even though they are updated more often than print media, it's hard to make blanket statements about them. A blog can offer recipes for Southwestern entrees or business leadership advice. Most blogs are written by one person with a keyboard. They might post three times a day or once every month. In general, blogs cover evergreen topics with tips, advice, and other useful information. TV Stations
TV news operates day and night, and not just in regard to the national 24-hour cable networks like CNN and MSNBC. Local television stations always have a morning news show, a noon news show, a 5:00 or 6:00 p.m. show, and a 10:00 or 11:00 p.m. show. Local TV news has the most amount of airtime and therefore is the easiest venue to receive news coverage. | https://www.thebalance.com/timing-is-everything-in-news-cycles-2295932 |
msmarco_v2.1_doc_54_313171499#3_716434683 | Title: Timing Is Everything in a News Cycle
Headings: Timing Is Everything in a News Cycle
Timing Is Everything in a News Cycle
What is a news cycle and when should I contact a journalist?
Newspapers
Blogs
TV Stations
Radio Stations
How and When to Break Your Story
Reaching Journalists After 6:00 P.M.
Content: They might post three times a day or once every month. In general, blogs cover evergreen topics with tips, advice, and other useful information. TV Stations
TV news operates day and night, and not just in regard to the national 24-hour cable networks like CNN and MSNBC. Local television stations always have a morning news show, a noon news show, a 5:00 or 6:00 p.m. show, and a 10:00 or 11:00 p.m. show. Local TV news has the most amount of airtime and therefore is the easiest venue to receive news coverage. Radio Stations
Radio was around before the advent of TV and is still going strong, in part because of "drive time," when commuters are stuck in their cars. Radio will break a story any time of the day because they have 24 hours of airtime to fill, each and every day. Whether a radio station plays classical music or only broadcasts local news they all subscribe to the Associated Press, which transmits stories 24/7. As a matter of fact, the events of 9/11 broke over a local New York City radio station that had a traffic helicopter in the air near what became Ground Zero. How and When to Break Your Story
The more time-sensitive a story is, the more you need to think about the news cycle and whom to talk to first. | https://www.thebalance.com/timing-is-everything-in-news-cycles-2295932 |
msmarco_v2.1_doc_54_313171499#4_716436431 | Title: Timing Is Everything in a News Cycle
Headings: Timing Is Everything in a News Cycle
Timing Is Everything in a News Cycle
What is a news cycle and when should I contact a journalist?
Newspapers
Blogs
TV Stations
Radio Stations
How and When to Break Your Story
Reaching Journalists After 6:00 P.M.
Content: Radio Stations
Radio was around before the advent of TV and is still going strong, in part because of "drive time," when commuters are stuck in their cars. Radio will break a story any time of the day because they have 24 hours of airtime to fill, each and every day. Whether a radio station plays classical music or only broadcasts local news they all subscribe to the Associated Press, which transmits stories 24/7. As a matter of fact, the events of 9/11 broke over a local New York City radio station that had a traffic helicopter in the air near what became Ground Zero. How and When to Break Your Story
The more time-sensitive a story is, the more you need to think about the news cycle and whom to talk to first. The oldest trick in the book is to release a bad story after 5:00 p.m. on a Friday, knowing that almost every reporter and editor has gone home. You may have noticed that the Federal government will always release a story about a potential government shutdown at exactly this time. While that's been taking place inside the beltway for years, the trick doesn't work as well today given the ability of news outlets posting breaking news digitally. Even the biggest newspapers only have a skeleton crew working nights and weekends. The advantage of releasing a story on a weekend is that if you can get through to the journalist, they'll have more time to talk to you. | https://www.thebalance.com/timing-is-everything-in-news-cycles-2295932 |
msmarco_v2.1_doc_54_313171499#5_716438333 | Title: Timing Is Everything in a News Cycle
Headings: Timing Is Everything in a News Cycle
Timing Is Everything in a News Cycle
What is a news cycle and when should I contact a journalist?
Newspapers
Blogs
TV Stations
Radio Stations
How and When to Break Your Story
Reaching Journalists After 6:00 P.M.
Content: The oldest trick in the book is to release a bad story after 5:00 p.m. on a Friday, knowing that almost every reporter and editor has gone home. You may have noticed that the Federal government will always release a story about a potential government shutdown at exactly this time. While that's been taking place inside the beltway for years, the trick doesn't work as well today given the ability of news outlets posting breaking news digitally. Even the biggest newspapers only have a skeleton crew working nights and weekends. The advantage of releasing a story on a weekend is that if you can get through to the journalist, they'll have more time to talk to you. Reaching Journalists After 6:00 P.M.
If you have good news to report, it's never a good idea to announce news (or pitch your client or company to be a part of a news column) after business hours. Reporters are scrambling to make a deadline and your voicemail or email will be ignored, or worse—you'll reach them and they'll be annoyed. It's best to contact journalists mid-morning, once their regular staff meeting has ended and they're ready to start their workday. The more time-sensitive a story is, the more you should lean toward radio, TV, and blogs, which are engineered to break news faster than newspapers. On the other hand, the more complex and important a story is, the more you should lean toward newspapers because they specialize in the bigger, more comprehensive stories. | https://www.thebalance.com/timing-is-everything-in-news-cycles-2295932 |
msmarco_v2.1_doc_54_313171499#6_716440305 | Title: Timing Is Everything in a News Cycle
Headings: Timing Is Everything in a News Cycle
Timing Is Everything in a News Cycle
What is a news cycle and when should I contact a journalist?
Newspapers
Blogs
TV Stations
Radio Stations
How and When to Break Your Story
Reaching Journalists After 6:00 P.M.
Content: Reaching Journalists After 6:00 P.M.
If you have good news to report, it's never a good idea to announce news (or pitch your client or company to be a part of a news column) after business hours. Reporters are scrambling to make a deadline and your voicemail or email will be ignored, or worse—you'll reach them and they'll be annoyed. It's best to contact journalists mid-morning, once their regular staff meeting has ended and they're ready to start their workday. The more time-sensitive a story is, the more you should lean toward radio, TV, and blogs, which are engineered to break news faster than newspapers. On the other hand, the more complex and important a story is, the more you should lean toward newspapers because they specialize in the bigger, more comprehensive stories. Newspapers can pack a lot more information into the paper than the short sound bites of radio and TV, where a two-minute story is considered long. Of course, if you're pitching a guest expert for a feature segment to address a timely news topic, those segments can run as long as six minutes. | https://www.thebalance.com/timing-is-everything-in-news-cycles-2295932 |
msmarco_v2.1_doc_54_314046381#3_718703089 | Title: Top 3 Reasons You Should Invest in Japan
Headings: Top 3 Reasons to Invest in Japan
Top 3 Reasons to Invest in Japan
Japan could see brighter days ahead
1. Federal Reserve Rate Hikes
2. Abenomics Is Slowly Working
3. Technology Leadership
Important Considerations
The Bottom Line
Content: 2. Abenomics Is Slowly Working
Shinzo Abe’s economic policies—known as Abenomics —may have been slow to start, but there have been real improvements in the underlying economy. The policy’s stated goal was to use monetary easing, fiscal stimulus, and structural reforms to jolt the economy out of the ‘suspended animation’ that has affected it for more than two decades. The first two ‘arrows’ were relatively easy to implement, but structural reforms have been slow to materialize. Japanese inflation initially rose past 3 percent by 2014 in response to the policy, but eventually fell back below 0 percent by 2016. In 2017, inflation began to rise once again to around 0.2 percent after the central bank said it would make yield curve control a central component of its new policy framework. The goal was to purchase 10-year government bonds to keep yields at 0 percent while abandoning its official target for expanding the monetary base. The prospect for higher inflation could boost the outlook for Japanese stocks and the wider economy, while an end to decades of deflation and stagflation could lead international investors back into the market. International investors should keep an eye on both headline inflation rates and progress being made on the more-difficult third arrow of Abenomics—structural reforms that have yet to fully take place. 3. | https://www.thebalance.com/top-reasons-to-invest-in-japan-4140399 |
msmarco_v2.1_doc_54_315314403#9_721944927 | Title: U.S. Trade Deficit With China and Why It's So High
Headings: U.S. Trade Deficit With China and Why It's So High
U.S. Trade Deficit With China and Why It's So High
Key Takeaways
Annual Trade Deficit
What Causes the U.S.—China Trade Deficit?
Effects of the Trade Deficit
What's Being Done
Article Sources
Content: These usually result in trade embargoes or tariffs that can raise the costs of imports for the offending nation. The U.S. economy is affected by the trade deficit. Jobs and capital are moved offshore, causing financial difficulties for consumers and smaller businesses. The tariffs imposed by the administration have been paid by U.S. companies, for the most part, further costing them $46 billion after losing over $1.7 trillion in stock values. 9
China is also one of the leading holders of U.S. Treasuries, which it purchases to reduce the value of its currency, thus allowing it to maintain a low exchange rate with the dollar. U.S. consumers benefit from low prices, and the government and economy benefit from capital being invested into the country. What's Being Done
President Donald Trump enacted a 25% tariff on steel imports and a 10% tariff on aluminum that went into effect on July 6, 2018, impacting $34 billion worth of Chinese imports. 10
On December 13, 2019, Trump announced a trade deal between the United States and China, in which both countries agreed to increase certain imports and exports. 11 He signed it on January 15, 2020. 12
President Joe Biden, elected in November 2020, retained Trump's position on trade with China early in 2021 as his administration reviewed the former administration's policies. | https://www.thebalance.com/u-s-china-trade-deficit-causes-effects-and-solutions-3306277 |
msmarco_v2.1_doc_54_315314403#10_721946829 | Title: U.S. Trade Deficit With China and Why It's So High
Headings: U.S. Trade Deficit With China and Why It's So High
U.S. Trade Deficit With China and Why It's So High
Key Takeaways
Annual Trade Deficit
What Causes the U.S.—China Trade Deficit?
Effects of the Trade Deficit
What's Being Done
Article Sources
Content: U.S. consumers benefit from low prices, and the government and economy benefit from capital being invested into the country. What's Being Done
President Donald Trump enacted a 25% tariff on steel imports and a 10% tariff on aluminum that went into effect on July 6, 2018, impacting $34 billion worth of Chinese imports. 10
On December 13, 2019, Trump announced a trade deal between the United States and China, in which both countries agreed to increase certain imports and exports. 11 He signed it on January 15, 2020. 12
President Joe Biden, elected in November 2020, retained Trump's position on trade with China early in 2021 as his administration reviewed the former administration's policies. President Biden also publicly proclaimed that he would take measures to ensure the U.S. remained the top economy and power in the world. 13 His new policies will address China's unfair trade practices, forced-labor programs, unfair import and export subsidies, censorship, and illicit use of American intellectual property. 9
Article Sources
U.S. Census Bureau. " Foreign Trade - Trade in Goods With China ." Accessed April 22, 2021. | https://www.thebalance.com/u-s-china-trade-deficit-causes-effects-and-solutions-3306277 |
msmarco_v2.1_doc_54_315441129#14_722322312 | Title: US Exports: Top Categories, Challenges, Opportunities
Headings: US Exports: Top Categories, Challenges, and Opportunities
U.S. & World Economies Economic Terms
US Exports: Top Categories, Challenges, and Opportunities
Why Business Goods Are the Largest Export
Key Takeaways
Top U.S. Exports
Why the United States Doesn't Export More
Article Sources
Content: Why the United States Doesn't Export More
The United States imports more than it exports . Why can't it export more? First, China, India, and other emerging market countries have lower standards of living. That allows them to make consumer goods cheaper than U.S. workers can. In other words, they are better at producing some of the things U.S. consumers need than American companies are. They have a comparative advantage . Second, some European and Japanese companies make better-quality automobiles than U.S companies. Enough Americans prefer foreign cars to make Hondas, Toyotas, and BMWs popular imports. Similarly, some foods are specialized in foreign countries: French croissants and wines, Mexican tequila, and Greek feta cheese. | https://www.thebalance.com/u-s-exports-top-categories-challenges-opportunities-3306282 |
msmarco_v2.1_doc_54_316132596#9_724117571 | Title: Unemployment Benefit Extensions
Headings:
Unemployment Benefits Extensions
Compare 2021 Extensions to Prior Years
2020 Unemployment Extension
Unemployment Extensions Prior to 2020
2013 Extension
2012 Extension
2010 Extension
2009 Extension
Disadvantages of Extended Unemployment Benefits
Advantages of Extended Unemployment Benefits
Article Sources
Content: 9
November 2009: As the unemployment rate climbed to 10%, unemployment benefits were extended for another 14 weeks. There were 15.4 million people unemployed. 10 This was down just 300,000 from the all-time high of 15.7 million the previous month. 11 States with unemployment rates at 8.5% or higher received an additional six weeks of benefits. 7
Disadvantages of Extended Unemployment Benefits
The downside of unemployment benefits is that paying them can, like any other government spending, increase budget deficits and add to the government debt. How can this hurt the economy? As debt approaches 100% of total output for the year, investors become worried that the government can't pay back its debt. Demand falls for U.S. Treasury bonds, which are used to finance government spending. This makes interest rates rise, increasing the cost of borrowing for everyone. | https://www.thebalance.com/unemployment-benefits-extensions-3306210 |
msmarco_v2.1_doc_54_316132596#10_724119038 | Title: Unemployment Benefit Extensions
Headings:
Unemployment Benefits Extensions
Compare 2021 Extensions to Prior Years
2020 Unemployment Extension
Unemployment Extensions Prior to 2020
2013 Extension
2012 Extension
2010 Extension
2009 Extension
Disadvantages of Extended Unemployment Benefits
Advantages of Extended Unemployment Benefits
Article Sources
Content: 7
Disadvantages of Extended Unemployment Benefits
The downside of unemployment benefits is that paying them can, like any other government spending, increase budget deficits and add to the government debt. How can this hurt the economy? As debt approaches 100% of total output for the year, investors become worried that the government can't pay back its debt. Demand falls for U.S. Treasury bonds, which are used to finance government spending. This makes interest rates rise, increasing the cost of borrowing for everyone. Most loans peg their interest rates to the yield on Treasurys. Advantages of Extended Unemployment Benefits
Paying benefits has a similar, but even more direct effect as that of lower interest rates. Benefit payments give the unemployed more money to spend, increasing demand. Most government spending takes the form of job programs, in which the government hires workers and businesses directly to build things or provide services. Benefits eliminate the middleman. | https://www.thebalance.com/unemployment-benefits-extensions-3306210 |
msmarco_v2.1_doc_54_316132596#11_724120606 | Title: Unemployment Benefit Extensions
Headings:
Unemployment Benefits Extensions
Compare 2021 Extensions to Prior Years
2020 Unemployment Extension
Unemployment Extensions Prior to 2020
2013 Extension
2012 Extension
2010 Extension
2009 Extension
Disadvantages of Extended Unemployment Benefits
Advantages of Extended Unemployment Benefits
Article Sources
Content: Most loans peg their interest rates to the yield on Treasurys. Advantages of Extended Unemployment Benefits
Paying benefits has a similar, but even more direct effect as that of lower interest rates. Benefit payments give the unemployed more money to spend, increasing demand. Most government spending takes the form of job programs, in which the government hires workers and businesses directly to build things or provide services. Benefits eliminate the middleman. In doing so, benefits put money directly into the pockets of those who will spend it right away. This is why many feel unemployment benefits are the best stimulus. Article Sources
Center for Budget and Policy Priorities. " Introduction to Unemployment Insurance ." Accessed March 13, 2021. | https://www.thebalance.com/unemployment-benefits-extensions-3306210 |
msmarco_v2.1_doc_54_316132596#12_724121933 | Title: Unemployment Benefit Extensions
Headings:
Unemployment Benefits Extensions
Compare 2021 Extensions to Prior Years
2020 Unemployment Extension
Unemployment Extensions Prior to 2020
2013 Extension
2012 Extension
2010 Extension
2009 Extension
Disadvantages of Extended Unemployment Benefits
Advantages of Extended Unemployment Benefits
Article Sources
Content: In doing so, benefits put money directly into the pockets of those who will spend it right away. This is why many feel unemployment benefits are the best stimulus. Article Sources
Center for Budget and Policy Priorities. " Introduction to Unemployment Insurance ." Accessed March 13, 2021. U.S. Department of Labor. " Unemployment Insurance Relief During COVID-19 Outbreak ." Accessed March 13, 2021. U.S. Bureau of Labor Statistics. " Unemployment in July 2010 ." | https://www.thebalance.com/unemployment-benefits-extensions-3306210 |
msmarco_v2.1_doc_54_316200277#8_724285984 | Title: Unemployment Solutions: Summary, Most Cost-Effective
Headings:
Unemployment Solutions and What's Most Cost-Effective
The best way to solve high unemployment according to research
Monetary Policy
Fiscal Policy
The Most Cost-Effective Solution
Fiscal Policy Risks
The Bottom Line
Article Sources
Content: 7
Unemployment benefits can provide growth as well. According to Wayne Vroman, an economist and senior fellow at the Urban Institute for the Department of Labor, unemployment insurance led to the creation of 1.6 million jobs on average each quarter from 2008 to 2010. 8 The unemployed are most likely to spend every dime they get. They buy basics like groceries, clothing, and housing. As a result, every dollar spent on unemployment benefits stimulates $1.64 in Gross Domestic Product. 9
How can $1 create $1.64? It does it through the ripple effect. For example, a dollar spent at the grocery store pays for the food. It also helps pay the clerk's salary, the truckers who haul the food, and even the farmers who grow it. The clerks, truckers, and farmers then buy groceries. | https://www.thebalance.com/unemployment-solutions-3306211 |
msmarco_v2.1_doc_54_316582260#3_725135676 | Title: US Debt by President: By Dollar and Percentage
Headings: US Debt by President by Dollar and Percentage
US Debt by President by Dollar and Percentage
Who increased the U.S. debt the most? Depends on how you measure it
Debt Calculation Drawbacks
The Best Way to Measure Debt by President
The Top Five Debt Contributors by Percentage
U.S. Debt Increase by President for Every Fiscal Year Since 1914
Article Sources
Content: A president's budget reveals their administration's priorities. The deficit by president reveals how much deficit was in each year's budget. Though they sound similar, a deficit and debt are two different things. A deficit is a budget shortfall, whereas debt is the running total of deficits and surpluses. The Top Five Debt Contributors by Percentage
Franklin D. Roosevelt (1933-1945): President Roosevelt had the largest percentage increase to the debt. Although he only added $236 billion, this was a nearly 1,050% increase from the $22.5 billion debt level left by President Herbert Hoover. The Great Depression and the New Deal contributed to FDR's yearly deficits, but the biggest cost was World War II: It added $186.3 billion to the debt between 1942 and 1945. 4
Woodrow Wilson (1913-1921): | https://www.thebalance.com/us-debt-by-president-by-dollar-and-percent-3306296 |
msmarco_v2.1_doc_54_316836425#1_725761816 | Title: Coaching Employees Effectively to Improve Performance
Headings:
Human Resources Employee Management
Use Coaching to Improve Employee Performance
Use 6 Steps to Coach Employees to Help Improve their Work Performance
The First Step in Coaching an Employee
Coaching When Performance Issues Exist
Second Example of Performance Coaching
6 Coaching Steps to Follow
Demonstrate your belief in the employee's ability too improve
Describe the performance problem to the employee.
Determine whether issues exist that limit the employee
Discuss potential solutions to the problem or improvement actions to take
Agree on a written action plan
Set a date and time for follow-up
The Bottom Line
Content: Employees need to know when they are effective contributors. By providing this positive feedback, you are also letting the employee know the actions and contributions that you'd like to reinforce so that you see more of them. Coaching When Performance Issues Exist
At the same time, regular coaching brings performance issues to an employee's attention when they are minor. Your coaching feedback assists the employee to correct these issues before they become significant detractions from her performance. The goal of performance coaching is not to make the employee feel bad, nor is it provided to show how much the HR professional or manager knows. The goal of coaching is to work with the employee to solve performance problems and to improve the work of the employee, the team, and the department. Employees who respond positively to coaching and improve their performance can become valued contributors to the success of the business. Employees who fail to improve will find themselves placed on a formal performance improvement plan, known as a PIP. This sets up a formal process wherein the manager meets regularly with the underperforming employee to provide coaching and feedback. At the meetings, they also evaluate how well the employee is performing in achieving the performance goals that were enumerated in the PIP. | https://www.thebalance.com/use-coaching-to-improve-employee-performance-1918083 |
msmarco_v2.1_doc_54_316836425#2_725764059 | Title: Coaching Employees Effectively to Improve Performance
Headings:
Human Resources Employee Management
Use Coaching to Improve Employee Performance
Use 6 Steps to Coach Employees to Help Improve their Work Performance
The First Step in Coaching an Employee
Coaching When Performance Issues Exist
Second Example of Performance Coaching
6 Coaching Steps to Follow
Demonstrate your belief in the employee's ability too improve
Describe the performance problem to the employee.
Determine whether issues exist that limit the employee
Discuss potential solutions to the problem or improvement actions to take
Agree on a written action plan
Set a date and time for follow-up
The Bottom Line
Content: The goal of coaching is to work with the employee to solve performance problems and to improve the work of the employee, the team, and the department. Employees who respond positively to coaching and improve their performance can become valued contributors to the success of the business. Employees who fail to improve will find themselves placed on a formal performance improvement plan, known as a PIP. This sets up a formal process wherein the manager meets regularly with the underperforming employee to provide coaching and feedback. At the meetings, they also evaluate how well the employee is performing in achieving the performance goals that were enumerated in the PIP. Generally, by the time an employee has received a PIP, Human Resources staff are significantly involved in both the meetings and in the review of the employee's progress and performance. The HR staff are also significantly involved in ensuring that the manager's documentation of the employee's performance and the meetings is appropriate. Employees who fail to improve when on the PIP are likely to find their employment terminated. Second Example of Performance Coaching
In a second example of the use of performance coaching, managers can use performance coaching to help employees who are effective contributors improve and become even more effective contributors. Done well, coaching can help an employee continuously improve their skills, experience, and ability to contribute. | https://www.thebalance.com/use-coaching-to-improve-employee-performance-1918083 |
msmarco_v2.1_doc_54_316836425#6_725772939 | Title: Coaching Employees Effectively to Improve Performance
Headings:
Human Resources Employee Management
Use Coaching to Improve Employee Performance
Use 6 Steps to Coach Employees to Help Improve their Work Performance
The First Step in Coaching an Employee
Coaching When Performance Issues Exist
Second Example of Performance Coaching
6 Coaching Steps to Follow
Demonstrate your belief in the employee's ability too improve
Describe the performance problem to the employee.
Determine whether issues exist that limit the employee
Discuss potential solutions to the problem or improvement actions to take
Agree on a written action plan
Set a date and time for follow-up
The Bottom Line
Content: Focus on the problem or behavior that needs improvement, not on the person. Use descriptions of the behavior with examples so that you and the employee share meaning . Ask for the employee's view of the situation. Do they see the same problem or opportunity for improvement that you do? Determine whether issues exist that limit the employee
Ask yourself whether the employee has the ability to perform the task or accomplish the objectives. Four common barriers are time, training, tools, and temperament. Determine how to remove these barriers, assuming one exists. Determine whether the employee needs your help to remove the barriers—a key role of a manager—or if he or she is able to tackle them alone. Discuss potential solutions to the problem or improvement actions to take
With a lower-performing employee, ask the employee for their ideas about how to correct the problem, or prevent it from happening again. With a high performing employee, talk about continuous improvement. | https://www.thebalance.com/use-coaching-to-improve-employee-performance-1918083 |
msmarco_v2.1_doc_54_317254117#19_726853414 | Title: Vietnam War Facts, Definition, Costs and Timeline
Headings:
U.S. & World Economies World Economy
Vietnam War Facts, Costs and Timeline
How the Vietnam War Affects You Today
Causes
Timeline
Costs
Effects
Article Sources
Content: 1971: The New York Times published the Pentagon Papers. 16 It revealed the extent of U.S. involvement in Vietnam during the Kennedy administration. It also concluded that heaving bombing of North Vietnam did not reduce the enemy's will to fight. 17 The U.S. troop level fell to 156,800. In August, Nixon ended the gold standard. That sent the dollar plummeting, which increased import prices. He imposed a 10% tariff on imports, which also worsened inflation. He instituted wage-price controls to stop the inflation, but that slowed growth. 18 Companies couldn't lower wages, so they laid-off workers to cut costs. | https://www.thebalance.com/vietnam-war-facts-definition-costs-and-timeline-4154921 |
msmarco_v2.1_doc_54_317254117#20_726854498 | Title: Vietnam War Facts, Definition, Costs and Timeline
Headings:
U.S. & World Economies World Economy
Vietnam War Facts, Costs and Timeline
How the Vietnam War Affects You Today
Causes
Timeline
Costs
Effects
Article Sources
Content: In August, Nixon ended the gold standard. That sent the dollar plummeting, which increased import prices. He imposed a 10% tariff on imports, which also worsened inflation. He instituted wage-price controls to stop the inflation, but that slowed growth. 18 Companies couldn't lower wages, so they laid-off workers to cut costs. 1972: Nixon increased the bombing of North Vietnam civilians while reducing troops to 24,200. Nixon's policies created stagflation. 1973: Draft ended. | https://www.thebalance.com/vietnam-war-facts-definition-costs-and-timeline-4154921 |
msmarco_v2.1_doc_54_317254117#22_726856197 | Title: Vietnam War Facts, Definition, Costs and Timeline
Headings:
U.S. & World Economies World Economy
Vietnam War Facts, Costs and Timeline
How the Vietnam War Affects You Today
Causes
Timeline
Costs
Effects
Article Sources
Content: Paris Peace Accords ended the war. Nixon ended the gold standard. The OPEC oil embargo began in October. The recession began in November. LBJ died of a heart attack. 1975: North Vietnam overran Saigon, and South Vietnam surrendered. The recession ended in March 1975. Costs
The Vietnam War cost $168 billion or $1 trillion in today's dollars. 19 That included $111 billion in military operations and $28.5 billion in aid to South Vietnam. | https://www.thebalance.com/vietnam-war-facts-definition-costs-and-timeline-4154921 |
msmarco_v2.1_doc_54_317254117#23_726857092 | Title: Vietnam War Facts, Definition, Costs and Timeline
Headings:
U.S. & World Economies World Economy
Vietnam War Facts, Costs and Timeline
How the Vietnam War Affects You Today
Causes
Timeline
Costs
Effects
Article Sources
Content: 1975: North Vietnam overran Saigon, and South Vietnam surrendered. The recession ended in March 1975. Costs
The Vietnam War cost $168 billion or $1 trillion in today's dollars. 19 That included $111 billion in military operations and $28.5 billion in aid to South Vietnam. Compensation benefits for Vietnam veterans and families still cost $22 billion a year. 20 Surviving spouses qualify for lifetime benefits if the veteran died from war wounds. Veterans' children receive benefits until age 18. If the children are disabled, they receive lifetime benefits. Since 1970, the post-war benefits for veterans and families have cost $270 billion. | https://www.thebalance.com/vietnam-war-facts-definition-costs-and-timeline-4154921 |
msmarco_v2.1_doc_54_317254117#28_726863651 | Title: Vietnam War Facts, Definition, Costs and Timeline
Headings:
U.S. & World Economies World Economy
Vietnam War Facts, Costs and Timeline
How the Vietnam War Affects You Today
Causes
Timeline
Costs
Effects
Article Sources
Content: The VA also recently included heart disease among the Vietnam medical issues that qualify. 28 Since it is the nation's leading cause of death, it will further increase compensation costs in the years to come. Effects
U.S. gross domestic product by year reveals that the war boosted the economy out of a recession caused by the end of the Korean War in 1953. Spending on the Vietnam War played a small part in causing the Great Inflation that began in 1965. 29 But so did spending on the War on Poverty and other LBJ social programs. In 1964, Congress approved a tax cut. The top marginal rate fell from 91% to 70%. That boosted economic growth enough to reduce the level of deficit spending. In 1965, Johnson signed the law creating Medicare. It helped create a heavy reliance on hospital care, causing rising health c | https://www.thebalance.com/vietnam-war-facts-definition-costs-and-timeline-4154921 |
msmarco_v2.1_doc_54_318185594#9_729173157 | Title: House Fixtures: What Are They?
Headings: What Are House Fixtures?
What Are House Fixtures?
Definition and Examples of House Fixtures
What Is a House Fixture?
How House Fixtures Work
House Fixtures vs. Non-Fixtures
Keeping House Fixtures
Key Takeaways
Article Sources
Content: 3
Sellers and buyers should specifically state in the purchase offer which items will stay with the property and which will go, especially if there could be confusion or debate over fixtures. Items such as kitchen appliances, bookshelves, portable spas, water fountains, and washers and dryers should be noted in the contract as included or excluded from sale. Excluded items are usually included in an addendum called a “Seller’s Exclusion List.” You can add a "Non-Realty Addendum" to your contract if you’re a buyer and want to ensure that something stays with the home. 1
Consult a real estate lawyer or agent for guidance if you have questions about whether something can or cannot be removed before a home's sale. Key Takeaways
House fixtures are typically permanently and physically attached to the property in some way. They can’t easily be removed. Televisions, some appliances, and televisions aren’t fixtures. Landscaping and built-in shelving would be. House fixtures commonly transfer with the property when it’s sold. | https://www.thebalance.com/what-are-house-fixtures-1798755 |
msmarco_v2.1_doc_54_322711999#7_741194457 | Title: Creditworthiness: What Is It?
Headings:
Credit Reports & Scores Building Credit
What Is Creditworthiness?
Definition and Examples of Creditworthiness
What Is Creditworthiness?
How Creditworthiness Works
It's Not Just About Applying for Loans
How to Improve Your Creditworthiness
Key Takeaways
Article Sources
Content: It's Not Just About Applying for Loans
Staying on top of your creditworthiness is important even when you don't have a credit card or loan application planned for the near future. Many other businesses, such as cell phone carriers and cable service providers, consider your creditworthiness, too. Keeping your credit in the best shape means you never have to worry when a business wants to check your credit. Keeping track of your credit score is the best way to stay on top of your creditworthiness. You can check for free by signing up for Credit Karma, Credit Sesame, or Wallet Hub. These services give you access to your credit score as well as tips on improving your credit score and your creditworthiness. How to Improve Your Creditworthiness
You have to prove to creditors and lenders that you’re not at risk of defaulting on new credit obligations if you’re having trouble getting approved for new accounts. Start by taking care of past due accounts and debt collections. Creditors will remove the account from your credit report in exchange for payment if you can negotiate a pay for delete, but paying the account will benefit your creditworthiness even without this deletion. Start building a positive payment history by making timely payments on your accounts going forward. | https://www.thebalance.com/what-is-creditworthiness-and-why-is-it-important-4159826 |
msmarco_v2.1_doc_54_322711999#8_741196295 | Title: Creditworthiness: What Is It?
Headings:
Credit Reports & Scores Building Credit
What Is Creditworthiness?
Definition and Examples of Creditworthiness
What Is Creditworthiness?
How Creditworthiness Works
It's Not Just About Applying for Loans
How to Improve Your Creditworthiness
Key Takeaways
Article Sources
Content: These services give you access to your credit score as well as tips on improving your credit score and your creditworthiness. How to Improve Your Creditworthiness
You have to prove to creditors and lenders that you’re not at risk of defaulting on new credit obligations if you’re having trouble getting approved for new accounts. Start by taking care of past due accounts and debt collections. Creditors will remove the account from your credit report in exchange for payment if you can negotiate a pay for delete, but paying the account will benefit your creditworthiness even without this deletion. Start building a positive payment history by making timely payments on your accounts going forward. Consider opening a secured credit card to add a new account to your credit report if you don’t have active, open accounts. You’ll improve your creditworthiness and your ability to be approved for other credit cards and loans as you make timely payments on this type of card. A secured credit card is one where you make a deposit with the lender and, in exchange, you'll receive a credit line usually equal to the amount of the deposit. These lenders report to the credit bureaus. Make bigger down payments on loans if possible. | https://www.thebalance.com/what-is-creditworthiness-and-why-is-it-important-4159826 |
msmarco_v2.1_doc_54_322933916#2_741787815 | Title: Here's How You Can Motivate Employees
Headings:
What Exactly Is Employee Motivation?
Here's How You Can Encourage and Inspire Employee Motivation
How to Encourage Motivation at Work
10 Factors to Encourage Motivation
Minimize Rules and Policies for Employee Motivation
6 Guidelines for a Motivating Work Environment
Involve People to Inspire Employee Motivation
Empower Employees to Get Involved
More Helpful Hints
Content: An individual's motivation is influenced by biological, intellectual, social, and emotional factors. As such, motivation is a complex force that can also be influenced by external factors. How to Encourage Motivation at Work
Every person has activities, events, people, and goals in their life that they find motivating. The trick for employers is to figure out how to inspire employee motivation at work. To create a work environment in which an employee is motivated about their job involves both intrinsically satisfying and extrinsically encouraging factors. While employers understand that they need to provide a work environment that creates motivation, many fail to understand the significance of motivation in accomplishing the company's mission and vision. Even when they understand the importance of motivation, employers often lack the skill and knowledge to provide a work environment that fosters employee motivation. That's because, too often, organizations don't pay attention to employee relations, communication, recognition, and involvement issues that are most important to people. Here are some ways that you can change that. 10 Factors to Encourage Motivation
These are some of the factors that must take place in order for employees to choose motivation at work. | https://www.thebalance.com/what-is-employee-motivation-1918108 |
msmarco_v2.1_doc_54_324106543#8_744897537 | Title: What Is the American Dream: History, Quotes
Headings: What Is the American Dream? The History That Made It Possible
What Is the American Dream? The History That Made It Possible
How Our Founding Fathers Protected It
The American Dream's Origins
How U.S. Presidents Shaped the American Dream
The American Dream and Success
The American Dream: Is it Dead?
A "New" American Dream?
The Bottom Line
Article Sources
Content: President Barack Obama supported the legal benefits of the marriage contract regardless of sexual orientation. Obama furthered FDR's idea that everyone should have access to affordable health care. He softened the recession's blow for many by extending unemployment benefits and increasing government assistance for student loans. In his 1931 book, "Epic of America," historian James Truslow Adams first linked the phrase "American Dream" with our contemporary understanding of the term. He said: " The American Dream is that dream of a land in which life should be better and richer and fuller for everyone, with opportunity for each according to ability or achievement." 5
The American Dream and Success
As we can see, throughout U.S. history, the definition of "happiness" has changed. In the Roaring 20s, the Founders' dream of protecting opportunities receded in favor of acquiring material things. In the novel "The Great Gatsby," author F. Scott Fitzgerald both defined the aspirations of the age and warned of its consequences. Happiness based upon greed was not attainable because someone else always had more, he pointed out. | https://www.thebalance.com/what-is-the-american-dream-quotes-and-history-3306009 |
msmarco_v2.1_doc_54_324929757#5_747101721 | Title: Supply Chain: Definition, How It Affects the Economy
Headings: How the Supply Chain Affects the U.S. Economy
U.S. & World Economies Economic Terms
How the Supply Chain Affects the U.S. Economy
How Firms Used Supply Chain Financing to Survive the Financial Crisis
How It Affects the Economy
Supply Chain Management
How Supply Chain Financing Help Firms Survive
The Bottom Line
Article Sources
Content: Natural disasters are becoming an increasing threat that can disrupt any part of the supply chain. The United Nations Refugee Agency reported their frequency has doubled in the last 20 years due to global warming. The impact on local productivity can last decades after an event. 1
If a disaster is bad enough, it can slow global growth. In 2011, Japan's earthquake and the resultant tsunami created the most damage to the world's supply of automobiles, electronics, and semiconductor equipment. The wings, landing gears, and other major airline parts are also made in Japan, so the quake disrupted the production of Boeing's 787 Dreamliner. U.S. gross domestic product slowed in 2011 as 22 Japanese auto part plants suspended production. 2
Supply Chain Management
Businesses manage every step of the supply chain to make sure it is the most efficient. As a result, many companies outsource jobs to countries like China that have a lower cost of living. 3 East and Southeast Asia accounted for nearly two-thirds of exports from developing countries. | https://www.thebalance.com/what-is-the-supply-chain-3305677 |
msmarco_v2.1_doc_54_325193978#0_747805616 | Title: What Makes Oil Prices So High
Headings: What Makes Oil Prices So High
What Makes Oil Prices So High
The Four Factors That Drive Up Oil Prices
High Demand
Low Supply
OPEC Quotas
Dollar Decline
Comparison to Past Oil Price Hikes
2015
2013
2012
2011
2008
Article Sources
Content: What Makes Oil Prices So High
Assets & Markets Commodities
What Makes Oil Prices So High
The Four Factors That Drive Up Oil Prices
•••
Photo by Sonja BK/Getty Images
By
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Kimberly Amadeo is an expert on U.S. and world economies and investing, with over 20 years of experience in economic analysis and business strategy. She is the President of the economic website World Money Watch. Read The Balance's editorial policies
Kimberly Amadeo
Reviewed by
Full Bio
Thomas Brock is a well-rounded financial professional, with over 20 years of experience in investments, corporate finance, and accounting. Article Reviewed on May 20, 2021
Read The Balance's Financial Review Board
Thomas J. Brock
Updated May 20, 2021
High oil prices are caused by high demand, low supply, OPEC quotas, or a drop in the dollar's value . High Demand
Demand for oil and gas typically follow a predictable seasonal swing. Demand rises in the spring and summer due to increased driving for summer vacations. Demand drops in the autumn and winter. Even though heating oil use rises in the winter, it's not enough to offset the post-vacation drop in gasoline demand. Commodities futures traders anticipate increased demand. They usually start bidding oil prices higher in January or February. | https://www.thebalance.com/what-makes-oil-prices-so-high-3305654 |
msmarco_v2.1_doc_54_327248009#0_753258759 | Title: Food Prices: 5 Causes of Increases, Trends, Forecast, Effect
Headings: Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
Assets & Markets Commodities
Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
5 Causes of High Food Prices
Five Causes of Higher Food Prices
High Oil Prices
Climate Change
Government Subsidies
World Trade Organization Limits on Stockpiles
Recent Trends
2020: The COVID-19 Pandemic
2018 and 2019: Climate Disasters
2016 and 2017: Dollar Impact on Food Costs
2015: Impact of Avian Influenza
2011-2014: How Calamities Affected World Food Supply
2014
2013
2012
2011
2008: The Great Recession
Looking Ahead: The Ongoing Impact of the Pandemic
Key Takeaways
Article Sources
Content: Food Prices: 5 Causes of Increases, Trends, Forecast, Effect
Assets & Markets Commodities
Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
5 Causes of High Food Prices
•••
Photo by Granger Wootz/Getty Images
By
Full Bio
Follow
LinkedIn with Background
Linkedin
Kimberly Amadeo is an expert on U.S. and world economies and investing, with over 20 years of experience in economic analysis and business strategy. She is the President of the economic website World Money Watch. Read The Balance's editorial policies
Kimberly Amadeo
Reviewed by
Full Bio
Eric Estevez is financial professional for a large multinational corporation. His experience is relevant to both business and personal finance topics. Article Reviewed on August 30, 2020
Read The Balance's Financial Review Board
Eric Estevez
Updated February 10, 2021
Since the beginning of the 21st century, food prices have risen between 2.0% and 3.0% a year on average. Grocery store prices have risen 2.0% while restaurant food has increased 2.8%. 1
Five Causes of Higher Food Prices
In the short-term, many factors affect food prices, making them volatile. These factors include supply and demand, weather, disease outbreaks, war, and natural disasters. In the long run, there are five underlying forces that tend to drive up food prices: | https://www.thebalance.com/why-are-food-prices-rising-causes-of-food-price-inflation-3306099 |
msmarco_v2.1_doc_54_327248009#1_753261067 | Title: Food Prices: 5 Causes of Increases, Trends, Forecast, Effect
Headings: Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
Assets & Markets Commodities
Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
5 Causes of High Food Prices
Five Causes of Higher Food Prices
High Oil Prices
Climate Change
Government Subsidies
World Trade Organization Limits on Stockpiles
Recent Trends
2020: The COVID-19 Pandemic
2018 and 2019: Climate Disasters
2016 and 2017: Dollar Impact on Food Costs
2015: Impact of Avian Influenza
2011-2014: How Calamities Affected World Food Supply
2014
2013
2012
2011
2008: The Great Recession
Looking Ahead: The Ongoing Impact of the Pandemic
Key Takeaways
Article Sources
Content: Article Reviewed on August 30, 2020
Read The Balance's Financial Review Board
Eric Estevez
Updated February 10, 2021
Since the beginning of the 21st century, food prices have risen between 2.0% and 3.0% a year on average. Grocery store prices have risen 2.0% while restaurant food has increased 2.8%. 1
Five Causes of Higher Food Prices
In the short-term, many factors affect food prices, making them volatile. These factors include supply and demand, weather, disease outbreaks, war, and natural disasters. In the long run, there are five underlying forces that tend to drive up food prices: High Oil Prices
Food gets transported great distances, and high oil prices raise shipping costs. You can expect high gas prices about six weeks after an increase in oil futures. Oil prices also affect farming. Oil byproducts are a significant component of fertilizer. 2
Climate Change
Climate change creates more extreme weather . | https://www.thebalance.com/why-are-food-prices-rising-causes-of-food-price-inflation-3306099 |
msmarco_v2.1_doc_54_327248009#2_753262976 | Title: Food Prices: 5 Causes of Increases, Trends, Forecast, Effect
Headings: Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
Assets & Markets Commodities
Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
5 Causes of High Food Prices
Five Causes of Higher Food Prices
High Oil Prices
Climate Change
Government Subsidies
World Trade Organization Limits on Stockpiles
Recent Trends
2020: The COVID-19 Pandemic
2018 and 2019: Climate Disasters
2016 and 2017: Dollar Impact on Food Costs
2015: Impact of Avian Influenza
2011-2014: How Calamities Affected World Food Supply
2014
2013
2012
2011
2008: The Great Recession
Looking Ahead: The Ongoing Impact of the Pandemic
Key Takeaways
Article Sources
Content: High Oil Prices
Food gets transported great distances, and high oil prices raise shipping costs. You can expect high gas prices about six weeks after an increase in oil futures. Oil prices also affect farming. Oil byproducts are a significant component of fertilizer. 2
Climate Change
Climate change creates more extreme weather . Its cause is greenhouse gas emissions that trap heat, causing air temperatures to increase. Hot air absorbs more moisture. It rains less, water from lakes and rivers evaporate, and the land dries up. When it does rain, the water runs off the land instead of getting absorbed into the water table. That creates floods, which in turn can damage crops. | https://www.thebalance.com/why-are-food-prices-rising-causes-of-food-price-inflation-3306099 |
msmarco_v2.1_doc_54_327248009#4_753266469 | Title: Food Prices: 5 Causes of Increases, Trends, Forecast, Effect
Headings: Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
Assets & Markets Commodities
Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
5 Causes of High Food Prices
Five Causes of Higher Food Prices
High Oil Prices
Climate Change
Government Subsidies
World Trade Organization Limits on Stockpiles
Recent Trends
2020: The COVID-19 Pandemic
2018 and 2019: Climate Disasters
2016 and 2017: Dollar Impact on Food Costs
2015: Impact of Avian Influenza
2011-2014: How Calamities Affected World Food Supply
2014
2013
2012
2011
2008: The Great Recession
Looking Ahead: The Ongoing Impact of the Pandemic
Key Takeaways
Article Sources
Content: 3
Government Subsidies
U.S. government subsidies for corn production for biofuels take corn out of the food supply, raising prices. The U.S. now uses 37% of its corn crop to make ethanol. That's up from 6% in 2000. 4
World Trade Organization Limits on Stockpiles
The World Trade Organization (WTO) limits the amount of subsidized corn and wheat that countries can add to global stockpiles. The United States, the European Union, and some developing countries heavily subsidize their agricultural industries. Farmers in those countries receive an unfair trade advantage. The WTO limits stockpiling to lower this edge. But it also reduces the amount of food available in a shortage. That increases food price volatility. 5
People around the world are eating more meat, especially pork, as they become more affluent. | https://www.thebalance.com/why-are-food-prices-rising-causes-of-food-price-inflation-3306099 |
msmarco_v2.1_doc_54_327248009#5_753268272 | Title: Food Prices: 5 Causes of Increases, Trends, Forecast, Effect
Headings: Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
Assets & Markets Commodities
Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
5 Causes of High Food Prices
Five Causes of Higher Food Prices
High Oil Prices
Climate Change
Government Subsidies
World Trade Organization Limits on Stockpiles
Recent Trends
2020: The COVID-19 Pandemic
2018 and 2019: Climate Disasters
2016 and 2017: Dollar Impact on Food Costs
2015: Impact of Avian Influenza
2011-2014: How Calamities Affected World Food Supply
2014
2013
2012
2011
2008: The Great Recession
Looking Ahead: The Ongoing Impact of the Pandemic
Key Takeaways
Article Sources
Content: Farmers in those countries receive an unfair trade advantage. The WTO limits stockpiling to lower this edge. But it also reduces the amount of food available in a shortage. That increases food price volatility. 5
People around the world are eating more meat, especially pork, as they become more affluent. It takes more grain to feed the animals needed for meat-based meals than is necessary for grain-based meals. Higher demand for meat means higher grain prices. Over time, this could offset lower U.S. demand for meat and dairy. 6 7
Recent Trends
Most years see major events that impact food prices. Some recent years that saw such impact include: | https://www.thebalance.com/why-are-food-prices-rising-causes-of-food-price-inflation-3306099 |
msmarco_v2.1_doc_54_327248009#6_753269910 | Title: Food Prices: 5 Causes of Increases, Trends, Forecast, Effect
Headings: Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
Assets & Markets Commodities
Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
5 Causes of High Food Prices
Five Causes of Higher Food Prices
High Oil Prices
Climate Change
Government Subsidies
World Trade Organization Limits on Stockpiles
Recent Trends
2020: The COVID-19 Pandemic
2018 and 2019: Climate Disasters
2016 and 2017: Dollar Impact on Food Costs
2015: Impact of Avian Influenza
2011-2014: How Calamities Affected World Food Supply
2014
2013
2012
2011
2008: The Great Recession
Looking Ahead: The Ongoing Impact of the Pandemic
Key Takeaways
Article Sources
Content: It takes more grain to feed the animals needed for meat-based meals than is necessary for grain-based meals. Higher demand for meat means higher grain prices. Over time, this could offset lower U.S. demand for meat and dairy. 6 7
Recent Trends
Most years see major events that impact food prices. Some recent years that saw such impact include: 2020: The COVID-19 Pandemic
In 2020, the COVID-19 pandemic sent food prices up by 3.3%. Most of this was driven by a 4.4% increase in meat, fish, poultry, and eggs. Dairy products, up 3.8%, were also a substantial contributor to the rise. 8
The federal government declared a national emergency in March. | https://www.thebalance.com/why-are-food-prices-rising-causes-of-food-price-inflation-3306099 |
msmarco_v2.1_doc_54_327248009#7_753271547 | Title: Food Prices: 5 Causes of Increases, Trends, Forecast, Effect
Headings: Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
Assets & Markets Commodities
Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
5 Causes of High Food Prices
Five Causes of Higher Food Prices
High Oil Prices
Climate Change
Government Subsidies
World Trade Organization Limits on Stockpiles
Recent Trends
2020: The COVID-19 Pandemic
2018 and 2019: Climate Disasters
2016 and 2017: Dollar Impact on Food Costs
2015: Impact of Avian Influenza
2011-2014: How Calamities Affected World Food Supply
2014
2013
2012
2011
2008: The Great Recession
Looking Ahead: The Ongoing Impact of the Pandemic
Key Takeaways
Article Sources
Content: 2020: The COVID-19 Pandemic
In 2020, the COVID-19 pandemic sent food prices up by 3.3%. Most of this was driven by a 4.4% increase in meat, fish, poultry, and eggs. Dairy products, up 3.8%, were also a substantial contributor to the rise. 8
The federal government declared a national emergency in March. Many people stocked up on groceries and began cooking at home instead of eating at restaurants. This escalated demand for food-at-home. Exports and imports were disrupted as countries closed their borders to stop the spread of the virus. Food supply chains were constrained, leading to lower supply. Meat, fish, dairy, and eggs were especially affected by the shifting economy brought on by the pandemic. | https://www.thebalance.com/why-are-food-prices-rising-causes-of-food-price-inflation-3306099 |
msmarco_v2.1_doc_54_327248009#8_753273228 | Title: Food Prices: 5 Causes of Increases, Trends, Forecast, Effect
Headings: Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
Assets & Markets Commodities
Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
5 Causes of High Food Prices
Five Causes of Higher Food Prices
High Oil Prices
Climate Change
Government Subsidies
World Trade Organization Limits on Stockpiles
Recent Trends
2020: The COVID-19 Pandemic
2018 and 2019: Climate Disasters
2016 and 2017: Dollar Impact on Food Costs
2015: Impact of Avian Influenza
2011-2014: How Calamities Affected World Food Supply
2014
2013
2012
2011
2008: The Great Recession
Looking Ahead: The Ongoing Impact of the Pandemic
Key Takeaways
Article Sources
Content: Many people stocked up on groceries and began cooking at home instead of eating at restaurants. This escalated demand for food-at-home. Exports and imports were disrupted as countries closed their borders to stop the spread of the virus. Food supply chains were constrained, leading to lower supply. Meat, fish, dairy, and eggs were especially affected by the shifting economy brought on by the pandemic. 9
2018 and 2019: Climate Disasters
Food prices rose 1.6% in 2018. Hurricanes caused temporary price spikes in the production of pecans and chickens. 10 11
In 2019, food prices rose by 1.8%. The U.S. experienced 14 separate billion-dollar disasters including three major floods, eight severe storms, two hurricanes (Dorian and Imelda), and one wildfire event. | https://www.thebalance.com/why-are-food-prices-rising-causes-of-food-price-inflation-3306099 |
msmarco_v2.1_doc_54_327248009#11_753278311 | Title: Food Prices: 5 Causes of Increases, Trends, Forecast, Effect
Headings: Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
Assets & Markets Commodities
Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
5 Causes of High Food Prices
Five Causes of Higher Food Prices
High Oil Prices
Climate Change
Government Subsidies
World Trade Organization Limits on Stockpiles
Recent Trends
2020: The COVID-19 Pandemic
2018 and 2019: Climate Disasters
2016 and 2017: Dollar Impact on Food Costs
2015: Impact of Avian Influenza
2011-2014: How Calamities Affected World Food Supply
2014
2013
2012
2011
2008: The Great Recession
Looking Ahead: The Ongoing Impact of the Pandemic
Key Takeaways
Article Sources
Content: Producers were able to export more food, limiting supply and increasing domestic prices. 14
Oil prices also were expected to remain moderate in 2017. They rose instead, increasing trucking costs. 2015: Impact of Avian Influenza
Prices increased by 1.9% on average. Beef and veal prices rose 7.2%. Egg prices skyrocketed by 17.8% because of avian influenza, but fish and seafood prices dropped 0.9%. 2011-2014: How Calamities Affected World Food Supply
2014
Food prices rose 2.4%. Prices of specific types of food rose thanks to weather conditions. | https://www.thebalance.com/why-are-food-prices-rising-causes-of-food-price-inflation-3306099 |
msmarco_v2.1_doc_54_327248009#14_753282961 | Title: Food Prices: 5 Causes of Increases, Trends, Forecast, Effect
Headings: Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
Assets & Markets Commodities
Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
5 Causes of High Food Prices
Five Causes of Higher Food Prices
High Oil Prices
Climate Change
Government Subsidies
World Trade Organization Limits on Stockpiles
Recent Trends
2020: The COVID-19 Pandemic
2018 and 2019: Climate Disasters
2016 and 2017: Dollar Impact on Food Costs
2015: Impact of Avian Influenza
2011-2014: How Calamities Affected World Food Supply
2014
2013
2012
2011
2008: The Great Recession
Looking Ahead: The Ongoing Impact of the Pandemic
Key Takeaways
Article Sources
Content: The 2012 drought forced farmers to slaughter cattle that had become too expensive to feed. It takes several months for commodities prices to reach the grocery store. As a result, most of the drought's effects occurred in 2013. The hardest hit were fresh vegetables and poultry, which rose 4.7%. 2012
Severe droughts increased food prices, which rose by 2.6%. Prices for beef, veal, and poultry rose significantly, but prices fell for fruits and vegetables. 15 One reason was higher transportation costs as oil prices hit their second-highest price since 1987. That was caused by threats of military action when Iran threatened to close the Strait of Hormuz. 15 16
2011
Prices rose by 3.7%. Massive wildfires in Russia devastated crops in 2010. | https://www.thebalance.com/why-are-food-prices-rising-causes-of-food-price-inflation-3306099 |
msmarco_v2.1_doc_54_327248009#15_753284693 | Title: Food Prices: 5 Causes of Increases, Trends, Forecast, Effect
Headings: Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
Assets & Markets Commodities
Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
5 Causes of High Food Prices
Five Causes of Higher Food Prices
High Oil Prices
Climate Change
Government Subsidies
World Trade Organization Limits on Stockpiles
Recent Trends
2020: The COVID-19 Pandemic
2018 and 2019: Climate Disasters
2016 and 2017: Dollar Impact on Food Costs
2015: Impact of Avian Influenza
2011-2014: How Calamities Affected World Food Supply
2014
2013
2012
2011
2008: The Great Recession
Looking Ahead: The Ongoing Impact of the Pandemic
Key Takeaways
Article Sources
Content: Prices for beef, veal, and poultry rose significantly, but prices fell for fruits and vegetables. 15 One reason was higher transportation costs as oil prices hit their second-highest price since 1987. That was caused by threats of military action when Iran threatened to close the Strait of Hormuz. 15 16
2011
Prices rose by 3.7%. Massive wildfires in Russia devastated crops in 2010. In response, commodity speculators drove prices even higher to take advantage of this trend. 17 They drove corn, sugar, and cooking oil prices higher. Droughts in the southern United States reduced hen output, raising egg prices. 18 Japan's earthquake reduced fishing capability, lowering seafood prices. 2008: | https://www.thebalance.com/why-are-food-prices-rising-causes-of-food-price-inflation-3306099 |
msmarco_v2.1_doc_54_327248009#16_753286390 | Title: Food Prices: 5 Causes of Increases, Trends, Forecast, Effect
Headings: Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
Assets & Markets Commodities
Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
5 Causes of High Food Prices
Five Causes of Higher Food Prices
High Oil Prices
Climate Change
Government Subsidies
World Trade Organization Limits on Stockpiles
Recent Trends
2020: The COVID-19 Pandemic
2018 and 2019: Climate Disasters
2016 and 2017: Dollar Impact on Food Costs
2015: Impact of Avian Influenza
2011-2014: How Calamities Affected World Food Supply
2014
2013
2012
2011
2008: The Great Recession
Looking Ahead: The Ongoing Impact of the Pandemic
Key Takeaways
Article Sources
Content: In response, commodity speculators drove prices even higher to take advantage of this trend. 17 They drove corn, sugar, and cooking oil prices higher. Droughts in the southern United States reduced hen output, raising egg prices. 18 Japan's earthquake reduced fishing capability, lowering seafood prices. 2008: The Great Recession
Food prices rose 5.5% according to the Consumer Price Index for food. It was the largest single-year increase since 1990. Commodity speculators caused higher food prices in 2008 and 2009. As the global financial crisis pummeled stock market prices, investors fled to the commodities markets. As a result, oil prices rose to a record of $145 a barrel in July, driving gas prices to $4 a gallon. | https://www.thebalance.com/why-are-food-prices-rising-causes-of-food-price-inflation-3306099 |
msmarco_v2.1_doc_54_327248009#17_753288094 | Title: Food Prices: 5 Causes of Increases, Trends, Forecast, Effect
Headings: Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
Assets & Markets Commodities
Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
5 Causes of High Food Prices
Five Causes of Higher Food Prices
High Oil Prices
Climate Change
Government Subsidies
World Trade Organization Limits on Stockpiles
Recent Trends
2020: The COVID-19 Pandemic
2018 and 2019: Climate Disasters
2016 and 2017: Dollar Impact on Food Costs
2015: Impact of Avian Influenza
2011-2014: How Calamities Affected World Food Supply
2014
2013
2012
2011
2008: The Great Recession
Looking Ahead: The Ongoing Impact of the Pandemic
Key Takeaways
Article Sources
Content: The Great Recession
Food prices rose 5.5% according to the Consumer Price Index for food. It was the largest single-year increase since 1990. Commodity speculators caused higher food prices in 2008 and 2009. As the global financial crisis pummeled stock market prices, investors fled to the commodities markets. As a result, oil prices rose to a record of $145 a barrel in July, driving gas prices to $4 a gallon. Part of this was caused by surging demand from China and India, which escaped the brunt of the subprime mortgage crisis. This asset bubble spread to wheat, gold, and other related futures markets. Food prices skyrocketed worldwide. As a result, food riots by people facing starvation erupted in less-developed countries. 19 20
Looking Ahead: | https://www.thebalance.com/why-are-food-prices-rising-causes-of-food-price-inflation-3306099 |
msmarco_v2.1_doc_54_327248009#18_753289830 | Title: Food Prices: 5 Causes of Increases, Trends, Forecast, Effect
Headings: Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
Assets & Markets Commodities
Why Food Prices Are Rising, Recent Trends, and 2021 Forecast
5 Causes of High Food Prices
Five Causes of Higher Food Prices
High Oil Prices
Climate Change
Government Subsidies
World Trade Organization Limits on Stockpiles
Recent Trends
2020: The COVID-19 Pandemic
2018 and 2019: Climate Disasters
2016 and 2017: Dollar Impact on Food Costs
2015: Impact of Avian Influenza
2011-2014: How Calamities Affected World Food Supply
2014
2013
2012
2011
2008: The Great Recession
Looking Ahead: The Ongoing Impact of the Pandemic
Key Takeaways
Article Sources
Content: Part of this was caused by surging demand from China and India, which escaped the brunt of the subprime mortgage crisis. This asset bubble spread to wheat, gold, and other related futures markets. Food prices skyrocketed worldwide. As a result, food riots by people facing starvation erupted in less-developed countries. 19 20
Looking Ahead: The Ongoing Impact of the Pandemic
For 2021, the U.S. Department of Agriculture (USDA) predicts that food-at-home (grocery store) prices will increase 1%-2%. It expects that prices will return to normal after being inflated due to supply shortages during the pandemic. In 2020, at-home food prices increased 3.5%. The USDA predicts food-away-from-home (restaurant) prices will increase 2%-3%. Demand will rise after many restaurants were shut down during the pandemic. | https://www.thebalance.com/why-are-food-prices-rising-causes-of-food-price-inflation-3306099 |
msmarco_v2.1_doc_54_327286506#15_753409177 | Title: Why Are Commodities More Volatile Than Other Assets?
Headings: Why Are Commodities More Volatile Than Other Assets?
Assets & Markets Commodities
Why Are Commodities More Volatile Than Other Assets?
Volatility: A Trader’s Paradise but an Investor’s Nightmare
Equity Volatility
Bond Volatility
Currency Volatility
Commodities
5 Reasons Commodities Are More Volatile
1. Liquidity
2. Mother Nature
3. Supply and Demand
4. Geopolitics
5. Leverage
Content: A drought in the United States might cause the prices of corn and soybeans to skyrocket as crop yields decline. We saw just that in 2012. A cold and frigid winter season increased demand for natural gas, sending futures contracts prices for the energy commodity skyrocketing. In 2005 and 2008, Hurricanes hit the Louisiana Coast of the U.S. and damaged the natural gas infrastructure causing the price of futures to rise to all-time highs. These are just a few examples of how acts of nature can cause massive volatility in commodity prices. 3. Supply and Demand
The major determinate for the path of least resistance for raw material prices is supply and demand. Commodity production occurs in areas of the world where the soil or climate supports crops, where reserves are present in the crust of the earth, and extraction can occur for a cost that is below the market price. Demand, on the other hand, is ubiquitous. Almost every human being on planet earth is a consumer of commodities, which are the staples of everyday life. | https://www.thebalance.com/why-commodities-are-volatile-assets-4126754 |
msmarco_v2.1_doc_54_327298727#1_753414141 | Title: Why Commodity Prices Move Up and Down
Headings:
Assets & Markets Commodities
Why Commodity Prices Move Up and Down
Key Takeaways
Commodity Market Prices
Commodity Research Sources
The Bottom Line
Content: Article Reviewed on November 28, 2020
Read The Balance's Financial Review Board
Roger Wohlner
Updated November 30, 2020
Understanding how and why commodities prices fluctuate can determine your success in trading these instruments. Without this knowledge, you may be fighting a losing battle. Key Takeaways
In general, commodity prices move in response to supply and demand. Future Source, Iowa Grain, The Hightower Report, and Inside Futures are resources that can help you learn about the commodity market. Commodity prices are sensitive to the global macroeconomic and geopolitical landscape. Commodity Market Prices
Commodity markets can be volatile, and there may appear to be no rhyme or reason to their movements. Commodity pricing can be unpredictable even for the most experienced traders. However, as a rule, their price movements are a function of supply and demand. When the market shows a lower supply, prices tend to rise. Conversely: | https://www.thebalance.com/why-commodity-prices-move-up-and-down-809315 |
msmarco_v2.1_doc_54_327298727#2_753415506 | Title: Why Commodity Prices Move Up and Down
Headings:
Assets & Markets Commodities
Why Commodity Prices Move Up and Down
Key Takeaways
Commodity Market Prices
Commodity Research Sources
The Bottom Line
Content: Commodity Market Prices
Commodity markets can be volatile, and there may appear to be no rhyme or reason to their movements. Commodity pricing can be unpredictable even for the most experienced traders. However, as a rule, their price movements are a function of supply and demand. When the market shows a lower supply, prices tend to rise. Conversely: higher supplies generally result in lower prices. Corn futures are a prime example of this phenomenon. In early 2006, corn futures were trading at around $2 per bushel, which represented the low end of the price range for the 20 years prior. This was mainly caused by soaring crude oil prices, which rapidly increased the demand for ethanol which happens to be produced from corn. Demand was likewise increasing from rapidly growing countries like China. | https://www.thebalance.com/why-commodity-prices-move-up-and-down-809315 |
msmarco_v2.1_doc_54_327298727#3_753416726 | Title: Why Commodity Prices Move Up and Down
Headings:
Assets & Markets Commodities
Why Commodity Prices Move Up and Down
Key Takeaways
Commodity Market Prices
Commodity Research Sources
The Bottom Line
Content: higher supplies generally result in lower prices. Corn futures are a prime example of this phenomenon. In early 2006, corn futures were trading at around $2 per bushel, which represented the low end of the price range for the 20 years prior. This was mainly caused by soaring crude oil prices, which rapidly increased the demand for ethanol which happens to be produced from corn. Demand was likewise increasing from rapidly growing countries like China. Consequently, prices were low for corn, whose supply then tightened. And as the new crop was planted, there would be no room for a poor crop. This tense climate made traders think twice before selling, which spiked corn prices from $2 per bushel to over $4 per bushel, within about a year. Commodity Research Sources
The following news and research sources can help investors navigate the commodity and futures markets : Future Source - an excellent source of nearly real-time market news on all the commodity and futures markets. ( | https://www.thebalance.com/why-commodity-prices-move-up-and-down-809315 |
msmarco_v2.1_doc_54_327298727#7_753421744 | Title: Why Commodity Prices Move Up and Down
Headings:
Assets & Markets Commodities
Why Commodity Prices Move Up and Down
Key Takeaways
Commodity Market Prices
Commodity Research Sources
The Bottom Line
Content: If current inventories exceed demand, the oversupply tends to drive prices lower. But if the demand is greater than supplies, the inventory deficit tends to push prices higher. Secondly, commodity prices fluctuate due to the technical condition of the market. Price charts often drive the behavior of investors, traders, and other market participants. Since everyone studies the same data, a herd mentality of massive group buying or selling consequently influence prices. Finally, commodity prices are sensitive to changes in the global macroeconomic and geopolitical landscape. With all of these influential factors, predicting commodity price movements is notoriously difficult. But seasoned commodity professionals who analyze past market behaviors may have a leg up on predicting future price moves. | https://www.thebalance.com/why-commodity-prices-move-up-and-down-809315 |
msmarco_v2.1_doc_54_328096186#4_755564593 | Title: Why the US Dollar Is the World Currency
Headings:
World Economy Trade Policy
Why the US Dollar Is the Global Currency
The U.S. Dollar Is the Strongest World Currency
Why the Dollar Is the Global Currency
Calls for a One World Currency
The Bottom Line
Article Sources
Content: In the foreign exchange market, the dollar rules. Around 90% of forex trading involves the U.S. dollar. The dollar is just one of the world's 185 currencies according to the International Standards Organization List, but most of these currencies are only used inside their own countries. 3
Theoretically, any one of them could replace the dollar as the world's currency, but they won't because they aren't as widely traded
Almost 40% of the world's debt is issued in dollars. 4 As a result, foreign banks need a lot of dollars to conduct business. This became evident during the 2008 financial crisis. Non-American banks had $27 trillion in international liabilities denominated in foreign currencies. Of that, $18 trillion was in U.S. dollars. 5 As a result, the U.S. Federal Reserve had to increase its dollar swap line. That was the only way to keep the world's banks from running out of dollars. | https://www.thebalance.com/world-currency-3305931 |
msmarco_v2.1_doc_54_328096186#7_755568696 | Title: Why the US Dollar Is the World Currency
Headings:
World Economy Trade Policy
Why the US Dollar Is the Global Currency
The U.S. Dollar Is the Strongest World Currency
Why the Dollar Is the Global Currency
Calls for a One World Currency
The Bottom Line
Article Sources
Content: Governments acquire currencies from their international transactions. They also receive them from domestic businesses and travelers who redeem them for local currencies. Some governments invest their reserves in foreign currencies. China and Japan deliberately buy the currencies of their main export partners. The United States is the largest export partner in China, and second largest in Japan. 7 8 They try to keep their currencies cheaper in comparison so their exports are competitively priced. Why the Dollar Is the Global Currency
The 1944 Bretton Woods agreement kickstarted the dollar into its current position. Before then, most countries were on the gold standard . Their governments promised to redeem their currencies for their value in gold upon demand. The world's developed countries met at Bretton Woods, New Hampshire, to peg the exchange rate for all currencies to the U.S. dollar. | https://www.thebalance.com/world-currency-3305931 |
msmarco_v2.1_doc_54_333543355#0_768863749 | Title: Pros and Cons of Consensus Decision Making
Headings:
Consensus Decision-Making Pros and Cons
Consider These Significant Issues Before You Make Consensus Decisions
Group Agrees to Support the Decision
Involved Employees See a Benefits
You Present a Unified Front
Collaborative Spirit of the Team
Agreeing to Bad Decisions
Groupthink Is Real
Compromise Solutions
Business Is Hierarchical
Making the Best Decision
Content: Pros and Cons of Consensus Decision Making
Succeeding at Work Management & Leadership
Consensus Decision-Making Pros and Cons
Consider These Significant Issues Before You Make Consensus Decisions
•••
Portra / Getty Images
By
Suzanne Lucas
Updated September 10, 2019
Consensus decision-making sounds like a way to achieve the best possible outcome from the decisions made at work. If you can bring all team members on board, you’ll have developed a decision that everyone likes, respects, and supports. That’s the theory—but it often falls flat. While all team members “agree” to support the consensus decision, the decision may not, in fact, be the optimal decision for the team or the business. Group Agrees to Support the Decision
Reaching a conclusion that everyone on the team supports is a positive, often effective, team strategy. With 100 percent agreement, you can move forward with confidence, and you don’t have to worry about another employee working to undermine your efforts. Involved Employees See a Benefits
To get everyone to agree, it generally (but not always) means that the decision made will benefit every group within the team or organization. You’re not sacrificing good HR, for example, to make finance happy, or vice versa. You Present a Unified Front
Leadership teams often have to make decisions that employees don’t like or support. That’s part of leadership. | https://www.thebalancecareers.com/consensus-decision-making-pros-and-cons-4178335 |
msmarco_v2.1_doc_54_333543355#8_768878613 | Title: Pros and Cons of Consensus Decision Making
Headings:
Consensus Decision-Making Pros and Cons
Consider These Significant Issues Before You Make Consensus Decisions
Group Agrees to Support the Decision
Involved Employees See a Benefits
You Present a Unified Front
Collaborative Spirit of the Team
Agreeing to Bad Decisions
Groupthink Is Real
Compromise Solutions
Business Is Hierarchical
Making the Best Decision
Content: This sounds great and is what you'd expect from your HR team. But, by not cutting labor costs, you have to cut costs in another area. The consensus decision is to cut manufacturing costs and not do employee layoffs, but the result is a shoddy product that eventually causes the company to lose market share. Ultimately, all the employees are worse off. Perhaps the disaster could have been avoided by not treating every department or concern as of equal worth. Business Is Hierarchical
Sure, organizations such as Zappos run on this “holacracy” theory, in which the hierarchy is very flat, but even then you only see CEO Tony Hsieh speaking to the press, and not John in customer service. Regardless of what your formal structure looks like, some people have power and other people do not have power. If your goal is consensus decision-making, this power differential allows the powerful to heavily influence the less powerful to reach “consensus.” Then, if the decision made is a failure, the powerful can point out that “everyone agreed to this solution.” In other words, the aura of consensus decision-making allows the powerful to avoid responsibility. | https://www.thebalancecareers.com/consensus-decision-making-pros-and-cons-4178335 |
msmarco_v2.1_doc_54_333543355#9_768880442 | Title: Pros and Cons of Consensus Decision Making
Headings:
Consensus Decision-Making Pros and Cons
Consider These Significant Issues Before You Make Consensus Decisions
Group Agrees to Support the Decision
Involved Employees See a Benefits
You Present a Unified Front
Collaborative Spirit of the Team
Agreeing to Bad Decisions
Groupthink Is Real
Compromise Solutions
Business Is Hierarchical
Making the Best Decision
Content: Business Is Hierarchical
Sure, organizations such as Zappos run on this “holacracy” theory, in which the hierarchy is very flat, but even then you only see CEO Tony Hsieh speaking to the press, and not John in customer service. Regardless of what your formal structure looks like, some people have power and other people do not have power. If your goal is consensus decision-making, this power differential allows the powerful to heavily influence the less powerful to reach “consensus.” Then, if the decision made is a failure, the powerful can point out that “everyone agreed to this solution.” In other words, the aura of consensus decision-making allows the powerful to avoid responsibility. Making the Best Decision
Overall, in business, a complete and total consensus isn’t necessary. You can reach decisions, and the entire senior team can promote the message, without requiring every employee to be happy with the decision. Leadership involves risk-taking, and sometimes that means taking action or providing direction that not all employees love. | https://www.thebalancecareers.com/consensus-decision-making-pros-and-cons-4178335 |
msmarco_v2.1_doc_54_336312426#0_775943632 | Title: What Does a Civil Engineer Do?
Headings: What Does a Civil Engineer Do?
What Does a Civil Engineer Do?
What Civil Engineers Do
Characteristics of Civil Engineers
Employment
Salary
Content: What Does a Civil Engineer Do? Government Careers Occupations
What Does a Civil Engineer Do? •••
Frisco/Getty Images
By
Full Bio
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Michael Roberts wrote about government careers for The Balance Careers, has experience in state government, and was a newspaper reporter. Read The Balance's editorial policies
Michael Roberts
Updated October 22, 2018
Civil engineers are highly trained professionals who plan public works projects and supervise their implementation. Most work in the private sector, but a good portion of them work in government. Their work is all around us. The infrastructure that moves people and commerce around the country was designed and implemented under the guidance of generations of civil engineers. What Civil Engineers Do
Civil engineers design and supervise construction of major public works projects such as buildings, highways, airports, bridges, and dams. They can either work for a government organization or in private industry competing for government contracts. Since there are so many different types of projects a civil engineer can undertake, many of them specialize in a type of project or branch of the profession such as transportation engineering, structural engineering or geotechnical engineering. | https://www.thebalancecareers.com/government-job-profile-civil-engineer-1669624 |
msmarco_v2.1_doc_54_336312426#1_775945339 | Title: What Does a Civil Engineer Do?
Headings: What Does a Civil Engineer Do?
What Does a Civil Engineer Do?
What Civil Engineers Do
Characteristics of Civil Engineers
Employment
Salary
Content: Their work is all around us. The infrastructure that moves people and commerce around the country was designed and implemented under the guidance of generations of civil engineers. What Civil Engineers Do
Civil engineers design and supervise construction of major public works projects such as buildings, highways, airports, bridges, and dams. They can either work for a government organization or in private industry competing for government contracts. Since there are so many different types of projects a civil engineer can undertake, many of them specialize in a type of project or branch of the profession such as transportation engineering, structural engineering or geotechnical engineering. Much of the work is done in an office, but civil engineers also go to project sites to monitor construction. They ensure projects are going according to plan and answer any questions construction superintendents raise. From time to time, civil engineers speak about projects to governing boards and the general public. They also write documents about the project like responses to requests for proposals, status updates, and technical reports. Civil engineers in the private sector work closely with government contract managers . | https://www.thebalancecareers.com/government-job-profile-civil-engineer-1669624 |
msmarco_v2.1_doc_54_337029436#8_777797784 | Title: How Pilots Use Air Navigation to Fly
Headings:
How Pilots Use Air Navigation to Fly
Dead Reckoning and Pilotage
Radio Navigation Methods for Aircraft
Automatic Direction Finder and Nondirectional Radio Beacon
VHF Omnidirectional Range (VOR)
Distance Measuring Equipment (DME)
Instrument Landing System (ILS)
GPS Navigation
How Pilots Use NAVAIDS
Content: A single DME station can handle up to 100 aircraft at one time, and they usually co-exist with VOR ground stations. Instrument Landing System (ILS)
An instrument landing system (ILS) is an instrument approach system used to guide aircraft down to the runway from the approach phase of flight. It uses both horizontal and vertical radio signals emitted from a point along the runway. These signals intercept to give the pilot precise location information in the form of a glideslope—a constant-angle, stabilized descent path all the way down to the approach end of the runway. ILS systems are widely in use today as one of the most accurate approach systems available. GPS Navigation
The global positioning system has become the most valuable method of navigation in the modern aviation world. GPS has proven to be tremendously reliable and precise and is probably the most common NAVAID in use today. The global positioning system uses 24 U.S. Department of Defense satellites to provide precise location data, such as aircraft position, track, and speed to pilots. The GPS system uses triangulation to determine the aircraft's exact position over the earth. To be accurate, a GPS system must have the ability to gather data from at least three satellites for 2-D positioning, and four satellites for 3-D positioning. | https://www.thebalancecareers.com/how-do-pilots-navigate-282803 |
msmarco_v2.1_doc_54_337762592#7_779686451 | Title: How-To Coaching Advice for Managers
Headings:
How-To Coaching Advice for Managers
Coach up Front
Ongoing Coaching
Coaching After An Event
Bottom Line
Content: Think of their mistake as a teaching moment and make sure they understand what went wrong and how to avoid it in the future. Most of all, be careful of demotivating them. After any coaching session, you want your employees eager to do better, not cowering at their desk out of fear. Bottom Line
Coaching is a very powerful tool a manager can use to improve the performance of their team. You coach each person on the team as an individual, but also as a member of the team. Coach them ahead of time, so they are prepared; coach them as time goes on, so they continue to improve. And coach them when they make a mistake. Be positive and motivating and they will improve the team's performance by improving their own performance. | https://www.thebalancecareers.com/how-to-coach-your-work-team-members-2275757 |
msmarco_v2.1_doc_54_338711448#13_782207974 | Title: How to Make Values Live in Your Organization
Headings:
How to Make Values Intrinsic to Your Organization's Success
Begin Your Values Alignment Process by Identifying Your Most Important Values
Values Development Process
Steps in a Values Identification Process
Values Identification Workshop Overview
Steps in Workplace Values Identification
Examples of Value Statements
Follow-up Process for Workplace Values Identification
The Leaders' Role Following the Workplace Values Process
Make This Workplace Values Process Not Just Another Exercise
The Bottom Line
Article Sources
Content: "Don’t oversell the process. "Always anchor, or relate the values expressed to real-world problems. "Encourage people to identify examples where there is a gap between values, or beliefs, and behavior. "Remember that you are not going to alter a person's values and beliefs by talking about them. Values clarification exercises are, at best, an opportunity to share them, not change them." If you want your investment in this workplace values identification and alignment process to make a difference in your organization, leadership, and individual follow-up is critical. The organization must commit to change and enhance work behaviors, actions, and interactions. Reward and recognition systems and performance management systems must support and reward new behaviors. Consequences must exist for behaviors that undermine the values agreed upon. The Bottom Line
If you can't make thi | https://www.thebalancecareers.com/how-to-make-values-live-in-your-organization-1918821 |
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